The plan offers Five different ways to invest
Target Date Funds
With a target date fund, you can select one fund based upon your retirement date. The investments within the fund automatically adjust as you approach your retirement date. The plan’s target date funds are listed as the plan’s qualified default investment alternative (QDIA). A QDIA is used if a participant enrolls but neglects to select an investment option.
Allocation Funds
Allocation funds offer a diversified portfolio based upon a given risk return profile. There are five funds ranging from Conservative through Aggressive. It is easy to select which fund is ideal for your investment objectives. To learn more select the Allocation Funds Link
Tactical Models
The Plan's Tactical Models - Conservative, Moderate and Growth - offer participants a portfolio that will vary its exposure to investments Retirement Collaborative LLC categorizes as High Risk, such as the Plan's equity, real estate and natural resource investments. On at least a quarterly basis, the models will be examined to determine whether they will have their minimum or maximum exposure to High Risk investments. During the review, Retirement Collaborative LLC may also adjust the allocation to the models investments using the individual investment options available in the Plan.
Individual Investment Options
You can select from a wide range of investment options to build your own investment strategy. For most of the major asset classes you will find both passive index funds and actively managed funds.
Personal Choice Retirement Accounts (PCRA)
At the end of 2025, the Plan introduced the ability to invest in the Charles Schwab PCRA, which is a brokerage account window inside the Plan that allows you to invest in investments outside the Plan's core fund line-up. This is for more sophisticated investors who would like exposure to a wider range of investment options than the curated fund line-up provided by the Plan.
Get Help
If you would like to talk to an investment advisor representative to review your account or help you enroll, please use the link below.