New Update: Healthcare Costs Increasing by Over 60% in Some States. Will you be impacted?

Navigating Inflation: Essential Insights for Freddie Mac Employees to Safeguard Their Retirement Plans

Healthcare Provider Update: Freddie Mac offers a comprehensive benefits package that includes flexible healthcare plans such as POS, HMO, and high-deductible options with HSAs. Employees also receive dental, vision, life, and disability insurance, along with access to an on-site wellness center and fitness facilities. Additional perks include student loan repayment assistance, adoption and fertility benefits, legal services, commuter subsidies, and generous paid time off. The company contributes to 401(k) plans with matching and automatic contributions, and supports employee well-being through EAPs and backup care services 1. Freddie Mac Healthcare costs in the United States are projected to continue rising through 2026, with insurers proposing significant premium increases for Affordable Care Act (ACA) plans. A recent analysis found that ACA insurers are seeking a median premium increase of 15% for 2026, marking the largest hike since 2018. This surge is attributed to factors such as the anticipated expiration of enhanced premium tax credits, rising medical costsincluding expensive medications and increased hospital staysand a shift in the risk pool towards higher-cost enrollees. Without the renewal of enhanced subsidies, out-of-pocket premiums for ACA marketplace enrollees could increase by more than 75% on average. Click here to learn more

As a Freddie Mac employee earning a good wage, remember when everyday products were much cheaper than they are now? That's a real-life example of inflation, an unavoidable phenomenon that erodes the value of money by pushing prices up over time. If capital isn't being put to work and making a return during inflationary periods, the purchasing power of investor capital is declining.

'If capital isn't being put to work and making a return during inflationary periods, the purchasing power of investor capital is declining.'

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As a Freddie Mac employee interested in investing, it is important to consider how investors have a wide range of tools at their disposal to protect their portfolios from inflation. Some prefer inflation-protected bonds, while others swear by commodities such as gold as effective inflation hedges. Investing in stocks has historically been one of the best ways to offset, or even outpace, inflation's degenerative effects on one's savings. For Freddie Mac employees, it is important to account for this information when planning your finances as to create a portfolio that minimizes volatility and accounts for inflation.

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We still have a tremendous amount of interest from advisors looking into commodity funds, ETFs and other inflation protection instruments to protect against potential inflation.

What type of retirement savings plan does Freddie Mac offer to its employees?

Freddie Mac offers a 401(k) retirement savings plan to help employees save for their future.

Does Freddie Mac match employee contributions to the 401(k) plan?

Yes, Freddie Mac provides a matching contribution to employee 401(k) contributions, up to a certain percentage.

What is the eligibility requirement for Freddie Mac's 401(k) plan?

Employees at Freddie Mac are typically eligible to participate in the 401(k) plan after completing a specified period of service.

Can Freddie Mac employees make pre-tax contributions to their 401(k) plan?

Yes, Freddie Mac employees can make pre-tax contributions to their 401(k) plan, which can reduce their taxable income.

Does Freddie Mac allow after-tax contributions to the 401(k) plan?

Yes, Freddie Mac allows employees to make after-tax contributions to their 401(k) plan.

How often can Freddie Mac employees change their contribution amounts to the 401(k) plan?

Freddie Mac employees can change their contribution amounts to the 401(k) plan during designated enrollment periods or as specified by the plan rules.

What investment options are available in Freddie Mac's 401(k) plan?

Freddie Mac's 401(k) plan offers a variety of investment options, including mutual funds and other investment vehicles.

Is there a vesting schedule for Freddie Mac's matching contributions?

Yes, Freddie Mac has a vesting schedule for matching contributions, which determines when employees fully own those contributions.

How can Freddie Mac employees access their 401(k) account information?

Freddie Mac employees can access their 401(k) account information through the company's designated retirement plan website or portal.

What happens to a Freddie Mac employee's 401(k) account if they leave the company?

If a Freddie Mac employee leaves the company, they can choose to roll over their 401(k) balance to another retirement account, withdraw the funds, or leave the account with Freddie Mac, subject to plan rules.

With the current political climate we are in it is important to keep up with current news and remain knowledgeable about your benefits.

Freddie Mac is a government-sponsored enterprise that provides liquidity, stability, and affordability to the U.S. housing market. It supports the housing finance system through its various programs.

Freddie Mac provides RSUs to certain employees. The RSUs vest over a specific period, supporting employee retention.