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Mo Deferred Comp vs IRA

April 28, 2025 by Deidre Mings

💼  457(b) vs. IRA – What’s the Difference?

IRAs and the MO Deferred Comp 457(b) Plan are both retirement savings accounts—but they’re not the same.
📺 Watch the latest video to learn how they compare!


Why Choose MO Deferred Comp?

  1. Exclusively for Missouri public employees – Designed for state workers and 10 partner universities.
  2. Higher contribution limits – Save up to $23,500 in 2025 (more with catch-up) vs. $7,000 with an IRA.
  3. More flexibility – Access funds penalty-free at any age once separated from state service.
  4. Professionally managed – MO Deferred Comp serves as the asset manager for the 457(b) plan.

📖 Read: Simply Put Newsletter – Compounding Interest Explained

Learn how interest on your savings can help grow your retirement faster.
📘 Read More ⇨

🎧 Listen: Compounding Interest with Kate Kuse
Closing the Gap Podcast – Episode 7
🎙️ Listen Now


🎥 More to Watch. More to Learn.

  • Time to Save & Invest is KEY
  • Spring Clean Your Account
    📚 View All Videos

📅 Schedule a Retirement Check-In – Thursday, May 8

Mo Deferred Comp – In-Person 
Meet with Jesse Stewart for a free 30-minute retirement planning session to:
✅ Set savings goals
✅ Review your 457(b) account
✅ Learn more about your retirement options

📍Carrington 110 – Springfield Campus
👉 Schedule Your Appointment


💡 Reminder: MSU also offers 403(b) retirement savings.
Both 457(b) and 403(b) plans are available to full- and part-time employees.


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Filed Under: Employee Benefits Tagged With: 403(b), 457(b), employee wellness, financial wellness, Mo deferred comp, retirement, savings

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