Investment Structure

Solutions for Every Type of Participant

A diverse selection of investment options is important to ensure every participant has suitable choices to help meet his or her retirement goals. Whether you are new to investing or are a well-seasoned investor, the Program has the right solution for everyone in your firm. The Program’s investments are designed into three simple tiers, all of which are available to participants in the Program no matter what type of investor you are.




Program Investments

We have designed our investments into three simple tiers, all of which are available to participants in the Program.

Investment Structure Chart

  1. Generally speaking, Retirement Date Funds target a certain date range for retirement, or the date the investor plans to start withdrawing money. Investors can select the Fund that corresponds to their anticipated retirement date or the point in time when they plan to start withdrawing money. These funds are designed to rebalance to a more conservative investment approach as the target date nears. An investment in a Retirement Date Fund is not guaranteed from investment loss at any time, including on or after the target date.

  2. Funds may include trading restrictions. Consult the Program Annual Disclosure Document (April 2016), carefully before investing.

  3. Brokerage services provided by TD Ameritrade, Inc., member FINRA/SIPC. TD Ameritrade is a trademark jointly owned by TD Ameritrade IP Company, Inc. and The Toronto-Dominion Bank. Used with permission. Commissions, service and exception fees still apply.

  4. No Transaction Fee (NTF) mutual funds are no-load mutual funds for which TD Ameritrade does not charge a transaction fee. NTF funds have other fees and expenses that apply to a continued investment in the fund and are described in the fund’s prospectus.  Almost all funds held 90 days or less will be subject to a short-term redemption fee of $49.99. This fee is in addition to any applicable transaction fees or fees described in the fund’s prospectus. 

  5. To trade commission-free ETFs, you must be enrolled in the Program. If you trade eligible ETFs within the 30-day hold period, short-term trading fees will apply. ETFs are baskets of securities that trade on an exchange like a stock. Trading prices may not reflect the actual Net Asset Value of the underlying securities. ETFs can entail market, sector, or industry risks. Some ETFs may involve international risk, currency risk, commodity risk, and interest rate risk.

The risk factors that pertain to investment in the Funds are described in detail in the description of each Fund included in the Program Annual Disclosure Document (April 2016), which is available to you. These risk factors may include, but are not limited to, risks of investing in equity securities, risks of investing in equity securities of non-U.S. companies and smaller companies, interest rate risk applicable to investment in fixed-income securities, credit risk applicable to investment in fixed-income securities, including those of lower credit quality, risks of investing in REITs, risk of reliance on industry research, risks of investing in U.S. Government obligations, risks related to securities lending, risk of TBA commitments, risk of “when-issued” securities, risks related to market disruptions and governmental interventions, risks associated with structure of the collective trust, and risks associated with commodity investments and derivatives.

The Collective Trust and the Funds are not Regulated Investment Companies or subject to SEC Disclosure Requirements. The Collective Trust and the Funds are not registered as investment companies under the Investment Company Act of 1940 and, therefore, are not subject to compliance with the requirements of that Act.


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