The ADA Members Retirement Program offers a diversified selection of investment options across the asset class spectrum including a guaranteed option in which participants can choose to invest their retirement plan assets. For participant information related to all of the investments offered in the Program please select the Participant Fee Disclosure link in the Investment/Fee Documents box below. In this same box you will find the plan fee disclosure document as well as important documents that will assist participants in understanding the investment options available to them and how to develop an investment strategy for their retirement plan accounts.
It may surprise you to learn that asset allocation is considered one of the most important tools for successful investing. By diversifying among different types of investment options, you may be able to reach your long-term goals while managing your exposure to market risk. Asset allocation simply means diversifying a portfolio among different asset classes, such as stocks, bonds and cash equivalents, in an effort to manage risk.
The ADA Members Retirement Program, which is funded by a group variable annuity, provides an easy, convenient way to create a diversified portfolio best suited to your investment goals, time horizon and attitude toward risk.
We offer you three investment strategies from which to choose. Each method provides for the necessary diversification to help reduce risk while meeting your long-term investment objectives. The three investment strategies are Asset Allocation - Age Based, Asset Allocation - Risk Based, and Choose Your Own Investment Mix.
1Example assumes owner is contributing the maximum profit-sharing contribution allowed.