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Why FM Global Employees Can Thrive in Retirement Without a Bucket List

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The first few years of retirement are frequently a time of transitions for many, including those leaving FM Global. It is a critical period that can influence the next few decades financially and emotionally. At the age of sixty-six, Wall Street Journal distinguished editor Stephen Kreider Yoder announced his retirement. His wife, sixty-seven-year-old Karen Kreider Yoder, followed suit. Their experiences, highlighted in the 'Retirement Rookies' column each month, demonstrate a departure from conventional retirement preparation. They emphasize crafting adaptable, meaningful experiences that serve as a foundation for future undertakings over following predetermined bucket lists.


This approach to retirement highlights a larger movement among individuals reimagining their post-employment years. By focusing on personal development and continual exploration, retirees can ensure a fuller, more satisfying experience. This narrative offers invaluable insights for FM Global employees looking to maximize their life-changing retirement years.

Recent studies by the American Psychological Association (APA) underline the advantages of the Yoders' method of unstructured retirement planning. The research indicates that retirees adhering rigidly to their pre-planned bucket lists report lower levels of satisfaction and fulfillment compared to those who engage in activities based on their own interests and whims. This suggests that a flexible retirement lifestyle can lead to more fulfilling and significant experiences, an important consideration as employees transition from structured careers to the freedom of retirement.


In the Retirement Rookies column, Stephen and Karen Kreider Yoder share their journeys and offer a fresh perspective on retirement planning. Learn why they're passing on typical bucket lists in favor of flexible, meaningful experiences, and how this strategy might enhance your post-work years at FM Global. Discover how embracing an unstructured retirement can lead to increased contentment and pleasure, setting the stage for a rewarding future.

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Forgoing a conventional retirement plan is akin to sailing a ship without a defined course. Retirees like the Yoders choose to navigate the waters of their golden years with the liberty to uncover new horizons as they appear, rather than charting every port of call. This method, much like a sailor discovering new adventures in uncharted waters, allows them to encounter unexpected joys and experiences, enriching each day with personal growth and satisfaction.

What is the FM Global 401(k) Savings Plan?

The FM Global 401(k) Savings Plan is a retirement savings plan that allows employees to save a portion of their salary on a tax-deferred basis.

How can I enroll in the FM Global 401(k) Savings Plan?

Employees can enroll in the FM Global 401(k) Savings Plan through the company’s HR portal during the enrollment period or after completing their eligibility requirements.

What are the eligibility requirements for the FM Global 401(k) Savings Plan?

To be eligible for the FM Global 401(k) Savings Plan, employees must be at least 21 years old and have completed a certain period of service with the company.

Does FM Global match contributions to the 401(k) Savings Plan?

Yes, FM Global offers a matching contribution to the 401(k) Savings Plan, which can help employees grow their retirement savings.

What is the maximum contribution limit for the FM Global 401(k) Savings Plan?

The maximum contribution limit for the FM Global 401(k) Savings Plan is determined by IRS guidelines, which may change annually.

Can I change my contribution percentage for the FM Global 401(k) Savings Plan?

Yes, employees can change their contribution percentage to the FM Global 401(k) Savings Plan at any time, subject to the plan's rules.

What investment options are available in the FM Global 401(k) Savings Plan?

The FM Global 401(k) Savings Plan offers a variety of investment options, including mutual funds, target-date funds, and company stock.

How often can I make changes to my investment choices in the FM Global 401(k) Savings Plan?

Employees can typically make changes to their investment choices in the FM Global 401(k) Savings Plan on a quarterly basis or as specified in the plan documents.

What happens to my FM Global 401(k) Savings Plan if I leave the company?

If you leave FM Global, you have several options for your 401(k) Savings Plan, including rolling it over to another retirement account, cashing it out, or leaving it in the plan if you meet certain criteria.

Can I take a loan from my FM Global 401(k) Savings Plan?

Yes, FM Global allows employees to take loans from their 401(k) Savings Plan, subject to specific terms and conditions outlined in the plan.

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For more information you can reach the plan administrator for FM Global at , ; or by calling them at .

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