TABLE OF CONTENTS
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2024
October Five Habits of Excellent Retirement Savers
April Empower Retirement Advisory Service; Pre-tax 401(k) versus Roth 401(k) Contributions
January Plan Expense Overview; Cybersecurity Awareness
2023
July DAP Celebrating 30 Year Anniversary; Long-term Investing in the Target Risk Funds
April Register Online at www.dap401k.com; Saving for your future through the DAP
January Annual Plan Expense Review; Staying the Course
2022
October Investing: The Nuts and Bolts; Market Timing; RMD Checklist
July Your New Personalized Web Experience; Key Checkpoints of a Comprehensive Financial Wellness Check-in
April 2021 Plan Investment Performance; Highlighting the Diversified Inflation/Real Return Fund
January Plan Expense Overview
2021
October Cybersecurity Awareness; IRS Required Minimum Distribution Checklist
July DAP – Best in Class 401(k) Plan; Pretax versus Roth 401(k) Contributions
April 2020 Plan Overview & Performance
January Understanding Your Fees & Expenses
2020
October Investing in a Volatile Market; Safeguarding Your Retirement Assets
July CARES Act Provisions Added to the DAP; Investing: The Nuts and Bolts
April Best in Class 401(k) Award and Detailed 2019 Performance
January Tapping into Your 401(k) Can Cost You; November 2019 Performance and Manager Fees
2019
October Select the Right Target Risk Fund for You; Your IRS Required Minimum Distribution(RMD) Checklist
July Analyzing Fund Performance Against Market Benchmarks; Risks of The Market Timing Investment Strategy
April Saving for Retirement; Managing your Required Minimum Distribution
January DAP Celebrating 25th Anniversary providing a Lifelong Retirement Plan
2018
December Saving for your Future; Managing your Required Minimum Distribution
October Understanding Risk Tolerance, Asset Allocation and Diversification
July Highlighting the Stable Value Fund; Safeguarding your Retirement Plan Account Information
April What is Market Volatility?; Plan Administration Fee Decrease
January Investing in your Future through the DAP; Highlighting International Equity Markets
2017
October Highlighting the Tier III – US Equity Funds; Plan Expense Overview
July Your new web dap401k.com web experience; Highlighting the Tier III Fixed Income Fund
April Highlighting the Tier III – Diversified Inflation/Real Return Fund
January 2016 – A Monumental Year for the DAP
2016
October Highlighting the Tier I – Asset Allocation Funds
July Your DAP 401(k) Plan’s New View!
April More Good News on the Horizon
January 2015 Year-End Review; Stable Value – Structured for Security
2015
October Building on our Strengths
July DAP FLYING HIGH! One of the Top 29 401(k)s in America
April Riding Along with the Ups and Downs
January A New Journey Begins; KEYTALK Phone System and WEBSITE Quick Reference Guide
2014
July Nobody Likes Change
April Capturing the Benefits of Risk-Adjusted Return
January 2013 Expense Overview; Sound Familiar?…”I think I can do better for you!”
2013
October 2013 – Best Year Ever for Incoming Rollovers to the DAP
July 20 Years and Counting for the Directed Account Plan
April Stable Value Industry Showing Steady Improvements
January A Model of Models Approach to Investing
2012
October Dividend Income in the DAP Model Portfolios
July Stable Value: Addressing Changes in the Stable Value Arena
April Want to Learn More about Saving for Retirement?
January New Regulation means more Disclosure to Participants
2011
October How Much Risk Can I Really Tolerate?
July What’s on our Participant’s Minds?
April Staying the Course
January A Review of DAP Expenses
2010
October Think Twice Before Taking a 401k Loan; MRDs Are Back; DAP Welcomes Newest Board Member
July Joseph Montanaro 1938-2010; Directed Account Plan Launches New Website
April Introducingthe Retirement Model; New Partial Withdrawal Option
January DAP Changes to Look for in 2010
2009
October Tips for Surviving the Next Disaster; Stable Value Update; Recent Allocation and Manager Changes
January Welcome Aboard Community America Credit Union; Monitoring our Managers
2008
October Market Declines – A History Lesson Revisited
July The Pursuit of Guaranteed Returns
April Great News! For both Current and Former DAP Participants
January DAP Year In Review 2007; How Stable Value and Wrapper Agreements Work
2007
October Market Timing – Put Down that Watch, You Can’t Time the Market
July Determining Your Distribution Rate
April The Distribution Phase of Retirement Why Consider the DAP Model Portfolios?
January Reviewing the DAP Investment Options
2006
October Thirteen Years Old… And Going Strong!
July Asset Allocation Strategy
April
January DAP Participant Checklist – Very Important!
2005
October The Transition is Complete…What this Means for You
July Look for Change as We Improve the DAP
April DAP Online Survey Results
January 12 Easy Steps to Preparing your Estate Plan
2004
October Over Ten Years and Still Going Strong
July Managing Your Retirement Online
April The DAP Plan Website has a New Design
January Mutual Fund Scandal and the DAP
2003
October Living in Retirement without Running Out of Money
July Ten Year Anniversary Issue
April The DAP Plan Expense Ratio
January Guide to Retirement Planning
2002
October Market Declines – A History Lesson
2000
November Investing Based on Time Horizon
July Welcome Aboard! The New Interactive TWA Pilots DAP/401(k) Website
March Internet Account Access Coming Soon, Back to Basics
1999
November Market Volatility, The Millennium Looms
July Survey Reveals Common Questions
March Active Versus Passive Investing – not available
1998
November Using International Stocks to Diversify
July Benchmarks – Comparing Apples to Apples
March The Importance of Financial Planning
1997
November Risk and The Sharpe Ratio
July Asset Allocation and a Rebalancing Check ;Reviewing the DAP/401(k)’s Investment Options
May A Historical Perspective on the Model Portfolios
March International Investing
1996
December The Value of One Percent
August Return & Risk – A Three Year Progress Report;Reviewing the DAP/401(k)’s Investment Options
May When the Teacup Rattles in the Saucer; The Risk of Being Out of The Market
1995
October Managing Risk Through Diversification
July The Model Portfolios ; Reviewing the DAP/401(k)’s Investment Options
March Lifetime Saving Through the DAP/401(k)
1994
December Slow and Steady Wins the Race; Buy and Hold as Market Timing; Age 701/2 Minimum Distribution
August Watch the Donut, Not the Hole; Analyzing Performance using Benchmarks; What Does the DAP/401(k) Cost?