Pension Sense Blog

Pension Sense


Pension Sense is published twice a month on Wednesdays and sometimes more often. Subscribe for helpful information on member benefits, the investment portfolio, corporate engagement activities and more. Ideas for future posts? Email us at


The value of engagement

The value of engagement

As a long-term investor, CalSTRS engages companies to align their policies and business practices with the changing world around us. This short, animated video explains how engagement improves corporate sustainability and creates long-term value for CalSTRS members.

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CalSTRS acts on climate

Whether you’re retired or actively teaching, chances are you’ve spoken with a young person who is concerned about climate change. In less than two years, the climate strike movement has spanned millions of people in hundreds of countries around the globe, and the movement’s protests reflect the public’s growing sense of urgency for governments and businesses to act on climate.

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Retirement planning IRL (in real life)

map of CalSTRS member service centers in California

In an age when smartphones and web apps are displacing real-life interaction, sometimes “old-fashioned” communication is the most effective way to have your questions answered.

That’s why we encourage you to visit CalSTRS in person as you plan your retirement.

We have eight member service centers, including our headquarters in West Sacramento, where you can learn about retirement—whether it’s close at hand or far in the future.

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Our New Year’s resolution

High school teacher helping students using tablet computer

Most folks’ New Year’s resolutions are about exercising more, eating healthy or saving more money.

One of CalSTRS’ New Year’s resolutions is to keep up an annual tradition: learning from you.

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Give yourself the gift of compound interest

hands holding wrapped gift

It’s the holiday season, and right now you’re probably worried about finding the right gift for everyone on your list. We understand the feeling! But while you’re fulfilling everyone else’s holiday wishes, consider giving yourself a more secure retirement by starting or increasing your contribution to your supplemental savings account.

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Plan ahead to fill the retirement income gap

sorting coins

What California’s educators need to know about Social Security

In a world with few assurances about future income, the CalSTRS Defined Benefit Program is like a security blanket for California educators. If you’ve worked a full career in education, 50-60% of your preretirement income will be replaced with your pension.

The challenge, however, is that financial experts advise replacing 80-90% of your preretirement income annually once you retire.

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Understanding your retirement benefit formula

As a California educator, you help build a better future for your students while you work toward a secure financial future of your own.

The CalSTRS Defined Benefit Program is the cornerstone of your educator retirement savings and also provides survivor and disability benefits. CalSTRS invests contributions from the state, your employer and your monthly paycheck to ensure a reliable monthly retirement benefit for all our members.