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Washington State Pension

DCP now offers a Roth or pretax option. Each option affects when your retirement contributions will be taxed.

What is pretax? With the DCP pretax option, your contributions are made before tax. Withdrawals, including investment earnings, are taxed in the year of withdrawal.

What is Roth? With the DCP Roth option, your contributions are deferred from your already taxed income. Roth withdrawals, including any investment earnings, are not taxed if you meet the minimum qualifications. These include a five-year holding period from the year of your first contribution and a minimum age of 59½. If you withdraw before meeting these, any investment earnings will be taxed.

Housing Markets

Buying a home is the biggest financial decision you can make, so you want to make sure it's in good condition. While wear and tear is common in most homes, watch out for these red flags that may make you want to run.

Investment Sectors

The S&P500 Index fell this week by 64 basis points. The bumpy week follows three weeks of gains, a few lower-than-expected earnings reported in the AI space, played a role in the week’s choppiness.

• Materials was down the most falling 2.9%. Nucor Corp. (-12.2%) and Steel Dynamics (-10.6%) were the worst performers of the 28 constituents in the sector.
• Utilities fell 2.6% for the period. Vistra Corp. (-9.4%) and Constellation Energy (-5.7%) collectively are about 11% of the index contributed to the struggle this week.
• Consumer Discretionary was the top performing sector for the second week in a row. Tesla continues to thrive in this sector, it was up 12% his week and is now the second largest weight at just over 20% and puts the holding within 3% of the top spot which is owned by Amazon.

Employer Plan Investments

Non-Employer Plan Investments

Economic Outlook