The April 2024 Heads Up newsletter is posted under the Knowledge Center Tab, in the Heads Up Library – Link to Heads Up Library

This newsletter covers the Empower Retirement Advisory Service available through the Directed Account Plan.  There is also education on Pretax versus Roth 401(k) Contributions. Here is the link – April 2024 Heads Up Newsletter

Performance and investment details are updated monthly on the 15th business day following month end. The information is posted on this website under the Tracking Investments tab. Scroll down to the MONTHLY performance links.

The January 2024 Heads Up newsletter is posted under the Knowledge Center Tab, in the Heads Up Library – Link to Heads Up Library

This newsletter covers your plan expenses and cybersecurity awareness education. Here is the link – January 2024 Heads Up Newsletter

The October newsletter covered the lower participant account maintenance fee in a FAQ format and the administration fees for optional services.  Here is the link – October 2023 Heads Up Newsletter

Performance and investment details are updated monthly on the 15th business day following month end. The information is posted on this website under the Tracking Investments tab.

A new lower fee, the participant account maintenance fee, starts October 1, 2023. The link below to the notice and the October Heads Up describe the change:

Notice of New Fees

FAQs – Lower Participant Account Maintenance Fee and Optional Service Fees

The July 2023 Heads Up newsletter is posted under the Knowledge Center Tab, in the Heads Up Library.

Link to Heads Up Library

Here you will find investment education that transcends time.

Performance and investment details are updated monthly on this website under the Tracking Investments tab.

Please call the DAP Office at 314-739-7373 with questions.

The April 2023 Heads Up newsletter is posted under the Knowledge Center Tab, in the Heads Up Library.

Link to Heads Up Library

Here you will find investment education that transcends time.

Performance and investment details are updated monthly on this website under the Tracking Investments tab.

Please call the DAP Office at 314-739-7373 with questions.

The 2023 Summary Plan Descriptions are posted under the Knowledge Center Tab.

Summary Plan Description for the CommunityAmerica Credit Union and TruHome Solutions Employees 

Summary Plan Description for the Former TWA Pilots and their Beneficiaries

Please call the DAP Office at 314-739-7373 with questions.

The January 2023 Heads Up newsletter is posted.

January 2023 Heads Up Newsletter

All of the past Heads Up Newsletters are posted under the Knowledge Center Tab, in the Heads Up Library. Here you will find investment education that transcends time.

Performance and investment details are updated monthly on this website under the Tracking Investments tab.

Please call the DAP Office at 314-739-7373 with questions.

The new October 2022 Heads Up newsletter is posted.

Investing: The Nuts and Bolts; Market Timing; RMD Checklist

All of the past Heads Up Newsletters are posted under the Knowledge Center Tab, in the Heads Up Library. Here you will find investment education that transcends time.

Performance and investment details are updated monthly on this website under the Tracking Investments tab.

Please call the DAP Office at 314-739-7373 with questions.

The new July 2022 Heads Up newsletter is posted.

Your New Personalized Web Experience; Key Checkpoints of a Comprehensive Financial Wellness Check-in

All of the past Heads Up Newsletters are posted under the Knowledge Center Tab, in the Heads Up Library. Here you will find investment education that transcends time.

Performance and investment details are updated monthly on this website under the Tracking Investments tab.

Please call the DAP Office at 314-739-7373 with questions.

The current market volatility, and negative financial markets are weighing heavily on the minds of 401(k) investors.  This is not the first time that 401(k) Plans have experienced uncertain financial markets.

In fact, the DAP 401(k) participants have had to navigate many market downturns during their 29 years of investing to and through retirement.  Historically, the declines worked themselves out and the financial markets trended upward over time. Please take time to read these 18 Heads Up newsletter articles pulled from the archives going back to 1994. When the markets go down, it is a good time to re-educate ourselves on this important investment topic.

Investing in a Volatile Market – October 2020 Heads Up Issue

The Risk of Market Timing – July 2019 Heads Up Issue

Understanding Risk Tolerance – October 2018 Heads Up Issue

What is Market Volatility – April 2018 Heads Up Issue

Riding Along with the Ups and Downs – April 2015 Heads Up Issue

Staying the Course – April 2011 Heads Up Issue

Tips for Surviving the Next Market Disaster – October 2009 Heads Up Issue

Does Diversification Still Work? – July 2009 Heads Up Issue

Market Declines – A History Lesson Revisited – October 2008 Heads Up Issue

Market Timing – Put Down that Watch – You Can’t Time the Market – October 2007 Heads Up Issue 

Market Declines – A History Lesson – October 2002 Heads Up Issue

Investing Based on Time Horizon – November 2000 Heads Up Issue

Market Volatility – The Sky Isn’t Falling – November 1999 Heads Up Issue

Covering Risk – November 1997 Heads Up Issue

Return and  Risk – April 1996 Heads Up Issue

When the Teacup Rattles in Its Saucers – May 1996 Heads Up Issue

Slow and Steady Wins the Race – December 1994 Heads Up Issue

Watch the Donut not the Hole – August 1994 Heads Up Issue