• Tier I Pre-Mixed Diversified Funds
  • Tier II Portfolio Building Blocks
  • Self-Directed Brokerage

Tier I Pre-Mixed Diversified Funds

Retirement Date Funds

The Collective Trust offers the following 10 Retirement Date Funds, a group of diversified investment funds each of which makes investments among different asset classes and is designed to correspond to a particular time horizon to retirement: Income Retirement Date Fund, 2020 Retirement Date Fund, 2025 Retirement Date Fund, 2030 Retirement Date Fund, 2035 Retirement Date Fund, 2040 Retirement Date Fund, 2045 Retirement Date Fund, 2050 Retirement Date Fund, 2055 Retirement Date Fund, and 2060 Retirement Date Fund. With the exception of the Income Retirement Date Fund, which is designed for those currently in retirement or who otherwise have initiated withdrawals from their investments, each Retirement Date Fund’s asset mix will, over time, become progressively more conservative. The target retirement date or the year of a participant’s intended commencement of withdrawal, for each Retirement Date Fund, other than the Income Retirement Date Fund, is the year specified in the Fund’s name. The Retirement Date Funds utilize a broad range of asset classes and a periodic rebalancing process that results in the most conservative asset mix five years after the stated target retirement date. This most conservative asset mix will be consistent with the asset mix of the Income Retirement Date Fund. Investment in each asset class is obtained by investing in index strategies or other pooled strategies designed for low tracking error relative to the market being replicated. Each Retirement Date Fund, with the exception of the Income Retirement Date Fund, has an investment strategy representing specific risk and reward characteristics that take into account the remaining time horizon to the Fund reaching its most conservative investment mix. The longer the remaining time horizon to the year in which a Retirement Date Fund will reach its most conservative investment mix, the greater is the Retirement Date Fund’s current risk and potential reward profile. The manner in which the Funds become more conservative as they near the target date is known as a “glide path” (2020 Retirement Date Fund shown below). Read More


As you near retirement and move left to right along the glide path, the Fund’s investment mix automatically shifts to a greater allocation of more conservative investments such as bonds. For a complete description of these Funds, including their specific objectives, investment strategy, investment managers, and associated risks please refer to the Program Annual Disclosure Document (April 2019).

The below information is as of 12/31/2018. On or around 9/16/2019, the pricing structure for the Program will be changing. For more information regarding these changes, please refer to the Program’s Annual Disclosure Document dated April 2019. Just log into your account at www.abaretirement.com, click on Investments and then click on Fund Information.

Retirement Date Funds

Type Expenses Strategy Risk Morningstar Fund Profile
Income Retirement Date Fund: 0.663% Strategy Risk pdf Download
2020 Retirement Date Fund: 0.651% Strategy Risk pdf Download
2025 Retirement Date Fund: 0.653% Strategy Risk pdf Download
2030 Retirement Date Fund: 0.651% Strategy Risk pdf Download
2035 Retirement Date Fund: 0.657% Strategy Risk pdf Download
2040 Retirement Date Fund: 0.654% Strategy Risk pdf Download
2045 Retirement Date Fund: 0.666% Strategy Risk pdf Download
2050 Retirement Date Fund: 0.679% Strategy Risk pdf Download
2055 Retirement Date Fund: 0.813% Strategy Risk pdf Download
2060 Retirement Date Fund: 0.997% Strategy Risk pdf Download

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There can be no assurance that the Funds will achieve their investment objective. Furthermore, the Funds do not guarantee participants will meet their income needs for retirement.

Target Risk Funds

The Collective Trust offers the following three Target Risk Funds, each of which allocates its investments among different asset classes and is designed to represent risk and potential reward characteristics that reflect a particular level of investment risk: Conservative Risk Fund, Moderate Risk Fund and Aggressive Risk Fund.

Type Expenses Strategy Risk Morningstar Fund Profile
Conservative Risk Fund: 0.737% Strategy Risk pdf Download
Moderate Risk Fund: 0.760% Strategy Risk pdf Download
Aggressive Risk Fund: 0.819% Strategy Risk pdf Download

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For additional details, including investment objectives, fees and expenses of the fund, portfolio turnover, principal investment strategies, primary risks, and total and average annual returns, please read the Program Annual Disclosure Document (April 2019). This Disclosure Document contains important information about the Program and investment options. For e-mail inquiries, contact us at: joinus@abaretirement.com.

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 2019). 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 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.

Tier II Portfolio Building Blocks

An array of Funds are available from actively managed to index strategies to meet the allocation, risk, and time horizon needs of participants.

The below information is as of 12/31/2018. On or around 9/16/2019, the pricing structure for the Program will be changing. For more information regarding these changes, please refer to the Supplement to the Annual Disclosure Document. Just log into your account at www.abaretirement.com, click on Investments and then click on Fund Information.

U.S. Equity Funds

Type Expenses Strategy Risk Morningstar Fund Profile
Large Cap Equity Fund: 0.854% Strategy Risk pdf Download
Large Cap Index Equity Fund: 0.608% Strategy Risk pdf Download
Small-Mid Cap Equity Fund: 1.082% Strategy Risk pdf Download
Small-Mid Cap Index Equity Fund: 0.629% Strategy Risk pdf Download
All Cap Index Equity Fund: 0.628% Strategy Risk pdf Download

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Non U.S. Equity Funds

Type Expenses Strategy Risk Morningstar Fund Profile
International All Cap Equity Fund: 1.068% Strategy Risk pdf Download
International Index Equity Fund: 0.665% Strategy Risk pdf Download

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Fixed Income Funds

Type Expenses Strategy Risk Morningstar Fund Profile
Bond Core Plus Fund: 0.738% Strategy Risk pdf Download
Bond Index Fund: 0.624% Strategy Risk pdf Download
Stable Asset Return Fund: 0.733% Strategy Risk pdf Download

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Non-Traditional Diversifying Funds

Type Expenses Strategy Risk Morningstar Fund Profile
Real Asset Return Fund: 0.982% Strategy Risk pdf Download
Alternative Alpha Fund: 1.600% Strategy Risk pdf Download

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There can be no assurance that the Funds will achieve their investment objective. For additional details, including investment objectives, fees and expenses of the fund, portfolio turnover, principal investment strategies, primary risks, and total and average annual returns, please read the Program Annual Disclosure Document (April 2019). This Disclosure Document contains important information about the Program and investment options.

For e-mail inquiries, contact us at: joinus@abaretirement.com.

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 2019).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 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.

Self-Directed Brokerage

Participants may directly invest their retirement plan assets in publicly-traded securities and mutual funds through the Self-Directed Brokerage Account (“SDBA”). With the SDBA, participants can create investment portfolios that uniquely reflect their own retirement planning needs and objectives. This option allows participants to select from various investment possibilities and execute trades through the discount brokerage services of TD Ameritrade. self directed brokerageTD Ameritrade, a leader in the brokerage industry, offers Program participants:

 

  • Low commissions and trading fees – for example, the commission for online equity trades is a flat rate of $6.95 per online equity trade1;
  • Received 5 stars overall and was ranked #2 out of 13 onlinebrokers in the StockBrokers.com Online Broker Review 20182.
  • Independent, objective third party research and charts from well-known industry analysts3.

For information on Self-Directed Brokerage Fees click here.

This information is as of 12/31/2018. On or around 9/16/2019, the pricing structure for the Program will be changing. For more information regarding these changes, please refer to the Program’s Annual Disclosure Document dated April 2019. Just log into your account at www.abaretirement.com, click on Investments and then click on Fund Information.

 

A WIDE ARRAY OF INVESTMENTS
The SDBA provides participants with greater investment flexibility and the opportunity to take advantage of changing markets. TD Ameritrade Offers:

  • Over 13,000 domestic, international and global mutual funds including equity and fixed income funds.
  • More than 4,500 mutual funds with no load and no transaction fee4.
  • Individual fixed income securities, including U.S. government securities of varying maturities, mortgage-backed securities and corporate bonds.
  • Individual equity securities traded on major U.S. Exchanges, including the New York and American Stock Exchanges, the NASDAQ National Market, and regional exchanges. Access to over 1,500 Exchanged Traded Funds of which over 300 are commission free5.

Click here to learn more about Self-Directed Brokerage Accounts


Please read the Program Annual Disclosure Document (April 2019), carefully before investing. This Disclosure Document contains important information about the Program and investment options. For email inquiries, contact us at: .

  1. Trades executed in multiple lots on the same day are charged a single commission. Trades partially executed over multiple trading days are subject to commission charges for each trading day.

  2. Reviewed against 12 other online brokers, TD Ameritrade received five stars for Overall Broker in the StockBrokers.com 2018 Online Broker Review. Read the full article at http://www.stockbrokers.com/annual-broker-review.

  3. Third-party research and tools are obtained from companies not affiliated with TD Ameritrade, and are provided for informational purposes only. While the information is believed to be reliable, TD Ameritrade does not guarantee its accuracy, completeness, or suitability for any purpose, and makes no warranties with respect to the results to be obtained from its use. Please consult other sources of information and consider your individual financial position and goals before making an independent investment decision. Past performance does not guarantee future results.

  4. No-Transaction-Fee (NTF) mutual funds are no-load mutual funds for which TD Ameritrade does not charge a transaction fee. TD Ameritrade receives remuneration from mutual fund companies, including those participating in its no-load, no-transaction-fee program, for recordkeeping, shareholder services, and other administrative and distribution services. The amount of TD Ameritrade’s remuneration for these services is based in part on the amount of investments in such funds by TD Ameritrade clients. No-transaction-fee mutualfunds and other funds offered through TD Ameritrade have other fees and expenses that apply to a continued investment in the fund and are described in the prospectus.

  5. ETFs are subject to risk similar to those of their underlying securities, including, but not limited to, market, investment, sector, or industry risks, and those regarding short-selling and margin account maintenance. Some ETFs may involve international risk, currency risk, commodity risk, leverage risk, credit risk, and interest rate risk. Performance may be affected by risks associated with nondiversification, including investments in specific countries or sectors. Additional risks may also include, but are not limited to, investments in foreign securities, especially emerging markets, real estate investment trusts (REITs), fixed income, small-capitalization securities, and commodities. Each individual investor should consider these risks carefully before investing in a particular security or strategy. Investment returns will fluctuate and are subject to market volatility, so that an investor’s shares, when redeemed or sold, may be worth more or less than their original cost. Unlike mutual funds, shares of ETFs are not individually redeemable directly with the ETF. Shares are bought and sold at market price, which may be higher or lower than the net asset value (NAV).

    Information provided by TD Ameritrade, including without limitation that related to the ETF Market Center and commission-free ETFs, is for general educational and informational purposes only and should not be considered a recommendation or investment advice.

    Particular commission-free ETFs may not be appropriate investments for all investors, and there may be other ETFs or investment options available at TD Ameritrade that are more suitable.

    ETFs purchased commission-free that are available on the TD Ameritrade ETF Market Center are available generally without commissions when placed online in a TD Ameritrade account. Other fees may apply for trade orders placed through a broker or by automated phone.

    TD Ameritrade receives remuneration from ETFs that participate in the commission-free ETF program for shareholder, administrative and/or other services.

    No Margin for 30 Days. Certain ETFs purchased commission free that are available on the TD Ameritrade ETF Market Center will not be immediately marginable at TD Ameritrade through the first 30 days from settlement. For the purposes of calculation the day of settlement is considered Day 1.

    Short-Term Trading Fee (Holding Period for 30 Days). ETFs available commission-free that participate in the ETF Market Center may be subject to a holding period that commences with any purchase and extends through the following THIRTY (30) calendar days. An account owner must hold all shares of an ETF position purchased for a minimum of THIRTY (30) calendar days without selling to avoid a short–term trading fee where applicable. There is no limit to the number of purchases that can be effected in the holding period. Any order to sell within THIRTY (30) calendar days of last purchase (LIFO – Last In, First Out) will cause an account owner’s account to be assessed a short–term trading fee of $13.90 where applicable. For the purposes of calculation the day of purchase is considered Day 0. Day 1 begins the day after the date of purchase. The short–term trading fee may be applicable to each purchase of each ETF where such ETF is sold during the holding period. The short–term trading fee may be more than applicable standard commissions on purchases and sells of ETFs that are not commission-free.

     

    TD Ameritrade and ABA Retirement Funds are separate, unaffiliated companies and not responsible for one another’s products and services. 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.