Skip main content and go to side navigation


It is recommended by Adobe that you upgrade to the latest version of Adobe Reader to prevent problems in the previous versions. Click here to download Acrobat Reader.


April Register Online at; Saving for your future through the DAP

January Annual Plan Expense Review; Staying the Course



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


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


October Investing in a Volatile Market; Safeguarding Your Retirement Assets

July CARES Act Provisions Added to the DAP; Investing: The Nuts and Bults

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


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


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


October  Highlighting the Tier III – US Equity Funds; Plan Expense Overview

July    Your new web 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


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


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


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!”



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



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 Partcipants


October How Much Risk Can I Really Tolerate?

July What’s on our Participant’s Minds?

AprilStaying the Course

JanuaryA Review of DAP Expenses


OctoberThink Twice Before Taking a 401k Loan; MRDs Are Back; DAP Welcomes Newest Board Member

JulyJoseph Montanaro 1938-2010; Directed Account Plan Launches New Website

AprilIntroducingthe Retirement Model; New Partial Withdrawal Option

JanuaryDAP Changes to Look for in 2010


OctoberTips for Surviving the Next Disaster; Stable Value Update; Recent Allocation and Manager Changes

JulyDemystifying Diversification – Is it Still a Viable Strategy?; Keeping Up Contributions in a Challenging Economy

AprilQuestions on the Minds of DAP Participants; New Tax Law Suspends Minimum Required Distribution for 2009

JanuaryWelcome Aboard Community America Credit Union; Monitoring our Managers


OctoberMarket Declines – A History Lesson Revisited

JulyThe Pursuit of Guaranteed Returns

AprilGreat News! For both Current and Former DAP Participants

JanuaryDAP Year In Review 2007; How Stable Value and Wrapper Agreements Work


OctoberMarket Timing – Put Down that Watch, You Can’t Time the Market

JulyDetermining Your Distribution Rate

AprilThe Distribution Phase of Retirement Why Consider the DAP Model Portfolios?

JanuaryReviewing the DAP Investment Options


OctoberThirteen Years Old… And Going Strong!

JulyAsset Allocation Strategy


JanuaryDAP Participant Checklist – Very Important!


OctoberThe Transition is Complete..What this Means for You

JulyLook for Change as We Improve the DAP

AprilDAP Online Survey Results

January12 Easy Steps to Preparing your Estate Plan


OctoberOver Ten Years and Still Going Strong

JulyManaging Your Retirement Online

AprilThe DAP Plan Website has a New Design

JanuaryMutual Fund Scandal and the DAP


OctoberLiving in Retirement without Running Out of Money

JulyTen Year Anniversary Issue

AprilThe DAP Plan Expense Ratio

JanuaryGuide to Retirement Planning


OctoberMarket Declines – A History Lesson


NovemberInvesting Based on Time Horizon

JulyWelcome Aboard! The New Interactive TWA Pilots DAP/401(k) Website

MarchInternet Account Access Coming Soon, Back to Basics


November Market Volatility, The Millennium Looms

July Survey Reveals Common Questions

MarchActive Versus Passive Investing – not available


NovemberUsing International Stocks to Diversify

JulyBenchmarks – Comparing Apples to Apples

MarchThe Importance of Financial Planning


November Risk and The Sharpe Ratio

JulyAsset Allocation and a Rebalancing Check ;Reviewing the DAP/401(k)’s Investment Options

MayA Historical Perspective on the ModelPortfolios

MarchInternational Investing


DecemberThe Value of One Percent

AugustReturn & Risk – A Three Year Progress Report;Reviewing the DAP/401(k)’s Investment Options

MayWhen the Teacup Rattles in the Saucer; The Risk of Being Out of The Market


OctoberManaging Risk Through Diversification

JulyThe Model Portfolios ; Reviewing the DAP/401(k)’s Investment Options

MarchLifetime Saving Through the DAP/401(k)


DecemberSlow and Steady Wins the Race; Buy and Hold as Market Timing; Age 701/2 Minimum Distribution

AugustWatch the Donut, Not the Hole; Analyzing Performance using Benchmarks; What Does the DAP/401(k) Cost?

AprilCompounding; Withdrawing at Age 701/2

Go back to main content | Go back to main navigation

Go back to main content | Go back to main navigation