3 MIN READ
APRIL 2026
Investing in your 401(k) account
Other than the amount of money you contribute, the investments you choose may have the biggest impact on your Costco 401(k) Retirement Plan account savings over time.
If you’re enrolled, your 401(k) contributions are invested in a T. Rowe Price Retirement Trust* with the target date that is closest to the year you will turn 65, unless you elect otherwise.
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There are two ways to direct the investments within your account.
You choose the investments that are right for you.
Age-based approach
Your Costco 401(k) Retirement Plan offers retirement trusts that are professionally managed based on your age and years until retirement. This option provides a diversified portfolio in a single investment that’s designed to target the year an investor will retire. Its asset allocation — or investment mix — automatically adjusts throughout your working years and retirement.
You might consider an age-based approach if you feel less comfortable choosing your own investments. Age-based investments are managed to be more conservative as their target dates near. Depending on your risk tolerance, time horizon and financial situation, you may choose a retirement trust with a different target date.
Build-your-own portfolio
If you feel confident in your ability to build, diversify and manage your portfolio, you can do so with the available investment options, personally managing your portfolio and asset allocation over time to suit your needs and preferences.
About Costco stock
Company stock is also an investment option. Investing in Costco stock comes with both benefits and risks. Past performance is not a guarantee of future results. You can invest up to 50% of new contributions to Costco stock. However, if you already have more than 50% of your account balance invested in Costco stock, you won’t be allowed to exchange further into Costco stock.
For a complete list of investments offered through the plan or to create your online account, visit RPS.TRowePrice.com or call 800-922-9945.
Savings speak
Money market/stable value funds have a goal of maintaining a steady value (capital preservation). They present the lowest level of market risk and the lowest return potential.
Bond funds purchase corporation or government agency debt, which is paid back over a set period of time with a fixed interest rate. They offer slightly greater risks and returns than money market/stable value investments.
Stock funds purchase ownership in a company and benefit from its profit potential. Stocks are more volatile than bonds or money market/stable value investments, and they provide greater potential for growth.
Want to buy Costco stock?
The Employee Stock Purchase Plan (ESPP) offers you the option of purchasing Costco stock through payroll deductions. Participation in the ESPP is entirely voluntary. Investing in securities involves the risk of loss. Costco pays the fees and commissions related to each purchase. You pay the fees and commissions when you sell the shares. To learn more, visit Costcobenefits.com > Financial Wellbeing > Employee Stock Purchase Plan (ESPP).
Need help navigating Medicare?
Don’t wait until you retire to figure it out. Medicare decisions should be part of your retirement planning. SGIA is here to help you understand your options and guide you through enrollment. It’s available to all employees and family members, including your parents and grandparents.SGIAmedicare.com/costco | 888-821-6486 | No cost
Aisle 401(k) articles are for informational purposes only and should not be considered investment advice.
*The T. Rowe Price Retirement Trusts (Trusts) are not mutual funds; rather, the Trusts are operated and maintained so as to qualify for exemption from registration as mutual funds pursuant to Section 3(c)(11) of the Investment Company Act of 1940, as amended. The Trusts are established by T. Rowe Price Trust Company under Maryland banking law, and their units are exempt from registration under the Securities Act of 1933. Investments in the Trusts are not deposits or obligations of, or guaranteed by, the U.S. government or its agencies or T. Rowe Price Trust Company and are subject to investment risks, including possible loss of principal. For additional information on the common trust funds being offered, including a trust fact sheet, please call T. Rowe Price.
Resources for you
T. Rowe Price manages the Costco Employee Stock Purchase Plan (ESPP). Costco contributes to your retirement plan even if you don’t. Most employees age 18 and older are eligible after 90 days of service. To manage your account online, click “T. Rowe Price” under Helpful Links on the Financial Wellbeing page.
RPS.TRowePrice.com | T. Rowe Price Personal app | 800-922-9945 (English) or 800-368-2768 (Spanish)
UBS administers the Costco Employee Stock Purchase Plan (ESPP). You can purchase the company’s common stock through regular payroll deductions.
OneSource.ubs.com/COST | 844-313-4764
SGIA Medicare Consulting offers one-on-one help to find and enroll in the right Medicare, Medicare Advantage and Medicare Supplement plans. All Costco employees and their families, including your parents and grandparents, can use this program.
SGIAmedicare.com/costco | costco@sgiamedicare.com | 888-821-6486 | No cost
T. Rowe Price manages the Puerto Rico Retirement Plan. Costco contributes to your retirement plan even if you don’t. Most employees age 18 and older are eligible after 90 days of service. To manage your account online, click “T. Rowe Price” under Helpful Links on the Financial Wellbeing page.
RPS.TRowePrice.com | T. Rowe Price Personal app | 800-922-9945 (English) or 800-368-2768 (Spanish)
UBS administers the Costco Employee Stock Purchase Plan (ESPP). You can purchase the company’s common stock through regular payroll deductions.
OneSource.ubs.com/COST | 844-313-4764
SGIA Medicare Consulting offers one-on-one help to find and enroll in the right Medicare, Medicare Advantage and Medicare Supplement plans. All Costco employees and their families, including your parents and grandparents, can use this program.
SGIAmedicare.com/costco | costco@sgiamedicare.com | 888-821-6486 | No cost
T. Rowe Price manages the Costco 401(k) Retirement Plan. Costco contributes to your retirement plan even if you don’t. Most employees age 18 and older are eligible after 90 days of service. To manage your account online, click “T. Rowe Price” under Helpful Links on the Financial Wellbeing page.
RPS.TRowePrice.com | T. Rowe Price Personal app | 800-922-9945 (English) or 800-368-2768 (Spanish)
UBS administers the Costco Employee Stock Purchase Plan (ESPP). You can purchase the company’s common stock through regular payroll deductions.
OneSource.ubs.com/COST | 844-313-4764
SGIA Medicare Consulting offers one-on-one help to find and enroll in the right Medicare, Medicare Advantage and Medicare Supplement plans. All Costco employees and their families, including your parents and grandparents, can use this program.
SGIAmedicare.com/costco | costco@sgiamedicare.com | 888-821-6486 | No cost