Money saved in a cash option could earn minimal interest. The interest will fluctuate slightly based on the interest rate of the U.S. capital markets. With an investment, you can choose from three portfolios to invest in based on your needs, and there’s a risk of losing your money, even your contributions, but you may also possibly earn more money over time. Also, withdrawals can take 2-7 business days to complete depending on how the money is allocated. Please read the Plan Disclosure for more information on the Investment Portfolios.