Cash Balance Plan
A defined benefit retirement plan that credits each participant with a stated contribution and interest credit, allowing large deductible contributions for owners.
Nashional Investments · Updated October 2026
Educational definition only, not investment, tax or legal advice.
In practice
Tax strategy is usually about timing and structure: when income is recognized, where it is deducted and how gains are taxed. The term Cash Balance Plan names one of the tools or rules we look at with your CPA when building a plan. The right answer depends on your income, your assets and your goals, so we model the options before you act.
Common questions.
What does the term Cash Balance Plan mean?
Why does Cash Balance Plan matter for investors?
See how this fits into a real plan on our Tax strategies page.
Have a question about this?
Ask us how it applies to your situation. Your first conversation is complimentary.