Investment Options

Three-Tier Investment Lineup

The City of Aurora-Police Money Purchase Pension Plan (MPPP) is a participant-directed (participants choose investments) retirement plan that offers a three-tier investment menu, which is designed to satisfy the knowledge, expertise, comfort-level and initiative of every retirement-plan investor. While each tier is distinct and unique in its design and purpose, all tiers are subject to a due diligence process that entails varying levels of selection, monitoring, and evaluation by the MPPP Board of Trustees, along with the assistance of their independent investment professionals.

Tier One: Target-Date Portfolios

The Plan’s administrator and investment consultant manages a series of investment portfolios that allow participants to have investment selection, continual monitoring, and modifications handled by professionals, rather than the individual participants themselves. Participants choose from seven professionally-managed, well-diversified portfolios that provide a “cruise-control” method of investing. Each portfolio is custom-designed, and continually managed, based upon an average retirement age and an investor’s life expectancy. Generally, the participant is responsible for a one-time decision that involves choosing the portfolio that matches their current age. The Target-Date Portfolios are designed for the majority (average) of MPPP participants, whom will rely on this retirement plan to provide most of their income during retirement. Participants that have other retirement plans and/or investments are encouraged to consult with one of the Plan administrator’s (InSight Employee Benefit Communications - Division of Innovest Portfolio Solutions LLC) investment counselors, or with your own advisor. For more information about Target-Date Portfolios click here.

Tier Two: Trustee-Selected Mutual Funds

Tier Two differs from Tier One in that each participant exercises the right to make all allocation decisions among available investments provided and monitored by the Board. This tier is a menu of mutual funds that are selected, continually monitored, and revised (when necessary), by the Board of Trustees, with the assistance of the Plan’s investment consultant. This array of investments consists of a multitude of asset classes and managers that are selected and evaluated based upon specific performance and operational criteria. For recent fund performance information click here.

Tier Three: Self-Directed Brokerage Option

To provide virtually unlimited diversification opportunity, Tier Three allows participants to allocate a portion of their retirement savings to a brokerage account. The Board provides no information about brokerage investments, and conducts no monitoring of holdings or monitoring of investment performance. Their due diligence and monitoring is limited to available services, features, and applicable fees. This option is intended for participants that possess greater-than-average investment knowledge, expertise and sophistication. For more information contact the City of Aurora-Police MPPP office.






	Three-Tier Investment Lineup The City of Aurora-Police Money Purchase Pension Plan (MPPP) is a participant-directed (participants choose investments) retirement plan that offers a three-tier investment menu, which is designed to satisfy the knowledge, expertise, comfort-level and initiative of every retirement-plan investor. While each tier is distinct and unique in its design and purpose, all tiers are subject to a due diligence process that entails varying levels of selection, monitoring, and evaluation by the MPPP Board of Trustees, along with the assistance of their independent investment professionals. Tier One: Target-Date Portfolios The Plan’s administrator and investment consultant manages a series of investment portfolios that allow participants to have investment selection, continual monitoring, and modifications handled by professionals, rather than the individual participants themselves. Participants choose from seven professionally-managed, well-diversified portfolios that provide a “cruise-control” method of investing. Each portfolio is custom-designed, and continually managed, based upon an average retirement age and an investor’s life expectancy. Generally, the participant is responsible for a one-time decision that involves choosing the portfolio that matches their current age. The Target-Date Portfolios are designed for the majority (average) of MPPP participants, whom will rely on this retirement plan to provide most of their income during retirement. Participants that have other retirement plans and/or investments are encouraged to consult with one of the Plan administrator’s (InSight Employee Benefit Communications - Division of Innovest Portfolio Solutions LLC) investment counselors, or with your own advisor. For more information about Target-Date Portfolios click here. Tier Two: Trustee-Selected Mutual Funds Tier Two differs from Tier One in that each participant exercises the right to make all allocation decisions among available investments provided and monitored by the Board. This tier is a menu of mutual funds that are selected, continually monitored, and revised (when necessary), by the Board of Trustees, with the assistance of the Plan’s investment consultant. This array of investments consists of a multitude of asset classes and managers that are selected and evaluated based upon specific performance and operational criteria. For recent fund performance information click here. Tier Three: Self-Directed Brokerage Option To provide virtually unlimited diversification opportunity, Tier Three allows participants to allocate a portion of their retirement savings to a brokerage account. The Board provides no information about brokerage investments, and conducts no monitoring of holdings or monitoring of investment performance. Their due diligence and monitoring is limited to available services, features, and applicable fees. This option is intended for participants that possess greater-than-average investment knowledge, expertise and sophistication. For more information contact the City of Aurora-Police MPPP office.
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