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CalPERS Supplemental Income PlansYour choice, simplified.Peace Officers’ & Firefighters’(POFF) Supplemental PlanTermination
We are CalPERSCalPERS has been delivering pension and health benefits to California public employees, retirees, and their families for more than 80 years. And formore than 15 years we’ve offered our Supplemental Income Plan services to participants to help you invest for your retirement goals.The Peace Officers’ and Firefighters’ (POFF) Supplemental Plan was an employer-provided benefit negotiated with the State of California by theCalifornia Correctional Peace Officers’ Association (CCPOA). The benefits from the POFF Plan are separate from your CalPERS retirement benefits.Your POFF Plan contributions have not increased nor will they reduce your final compensation; your retirement benefits have not beenaffected in any way by your participation in the POFF Plan.As you may already know, the California Legislature enacted legislation to terminate the POFF Plan in 2013 at the request of the CCPOA. Termination ofthe POFF Plan requires the distribution of all funds in POFF participant accounts in accordance with State and Federal law. As communicated throughoutthe process, CalPERS has been working with the Internal Revenue Service (IRS) to receive the appropriate approvals. At this time, the IRS has approved thetermination of the POFF Plan and CalPERS has begun the process of implementing the termination.POFF Plan terminates on December 1, 2014.IRS approval has been received and CalPERS is moving forward with thetermination of the POFF Plan and the distribution of all funds held in participantaccounts. This brochure:PIN Reset CapabilitiesWhen you logged on to the POFF Website forthe first time, you were prompted to establish aUsername and Password, and to choose security1. Outlines your options regarding your money invested in the POFF Fund;questions to establish future PIN reset capabilitiesin case you forgot or misplaced your PIN. If you2. Explains the investment options for an SCP POFF Rollover account; andmisplaced your PIN and haven’t established PIN3. Highlights important dates related to the plan termination.a new PIN.Please read this brochure carefully paying close attention to the dates presented.reset capabilities, there are two ways to obtain Online at https://poffsup.voyaplans.com, clickThe California State Legislature has designated the CalPERS Supplementalon Forgot Your Password? in the login boxContributions Plan (SCP) as the default option for those participants or beneficiariesand follow the prompts, orwho take no action and do not make a distribution election regarding their POFFaccount balance prior to the plan termination. If you take no action prior to thefinal plan termination date of March 2, 2015, your money will automaticallyroll over to an SCP POFF Rollover account and be invested in a CalPERSTarget Retirement Date Fund based on the year in which you will reach age Call 1-888-600-POFF (7633), and provide yourSocial Security number.Your PIN will be mailed to your address on recordwithin three business days.60. The investments and risks associated with this fund may materiallydiffer from that of the POFF Fund in which you are currently invested. Foradditional information on the Supplemental Contributions Plan fundofferings, please visit https://calpers.voyaplans.com or call the Plan’sInformation Line at (800) 260-0659. You will also receive an SCP POFFRollover Welcome Kit specific to your new account that will fully explainthe investment options in the new Plan.Questions? Participant Service Representatives areavailable Monday – Friday, 6:00 a.m. to 5:00 p.m.Pacific Time (except stock market holidays) toassist you by calling the POFF Information Lineat 1-888-600-POFF (7633).Participant Service Representatives are RegisteredRepresentatives of Voya Financial Partners, LLC (member SIPC).1https://poffsup.voyaplans.com1-888-600-POFF (7633)
A quick look at your distribution options.Termination of the POFF Plan creates a distribution event and Federal law requires all accounts in the terminating plan be distributedwithin specified time frames, generally within one year. As part of the POFF Plan termination, you have the following optionsavailable to you:Distributions OptionsALet CalPERS automatically transfer your money to theCalPERS SCP POFF Rollover account.Tax ConsequencesThe amount rolled over is not taxed until it ispaid to you or your beneficiary.For more information,see page 3 In the absence of an affirmative election to take a fullcash distribution or initiate a rollover to another eligibleretirement plan, your POFF account will be automaticallyrolled over to the CalPERS SCP POFF Rollover account.BInitiate a rollover of your account balance to anothereligible retirement plan (other than the SCP POFFRollover account) prior to plan termination. Before you decide to roll over your POFF account balanceto another eligible retirement plan, you should find outwhether the plan accepts rollovers.CRequest a full cash distribution of your POFFaccount balance.None if completed as a direct Plan to Plan transfer.For more information,To the extent that you request a direct (i.e., plan-to-plan) see page 4rollover, the rolled over amount is not taxed until it ispaid to you or your beneficiary.20% Federal and 2% CA mandatory tax withholdingwill apply to your distribution.For more information,see page 4State and Federal Income taxes will be due in the year thecash distribution is taken. In addition to withholding incometaxes, distributions received prior to age 59½ may be subjectto an early withdrawal penalty, as imposed by the IRS (10%)and the California Franchise Tax Board (2.5%).In accordance with California community property law when electing a cashdistribution or rollover to an eligible retirement plan other than the CalPERSSCP POFF Rollover account the following must be on file with Voya FinancialTM, thePlan administrator, within 90 days prior to plan termination: If married, a signed Spousal Consent Form. If single, participants must self-certify as such.What is an EligibleRetirement Plan?An “eligible retirement plan” includes a planqualified under Section 401(a) of the InternalRevenue Code, including a 401(k) Plan, ProfitYou may defer unwanted taxes and potentially avoid early withdrawal penalties bySharing Plan, Defined Benefit Plan, and a Moneyrolling over to the CalPERS SCP POFF Rollover account or another eligible retirementPurchase Plan; a 403(b) Plan; and governmentalplan. We urge you to take this opportunity to think about your situation and explore the457(b) plan; and certain IRAs.option that best allows you to stay on course to meet your personal financial goals.Prior to investing you should carefully review all fund information and objectives andconsider consulting with an outside investment adviser. Investing involves risk, includingpossible loss of OFF (7633)2
DistributionOption AThe SCP POFF Rollover Account — Your choice, simplified.For participants who do not make an affirmative election to take a full cash distribution or initiate a rollover to anothereligible retirement plan, participant accounts in the POFF Plan will automatically transfer to the new CalPERS SCP POFFRollover account and be invested in a CalPERS Target Retirement Date Fund based on the year you will reach age 60.For example, if you were born in 1965 and have a balance in the POFF Fund that balance will map tothe CalPERS Target Retirement 2025 Fund.The Target Retirement Date Funds havebeen designated as the default investmentunder the SCP. CalPERS Target RetirementPOFF Plan Fund Mapping to the CalPERS Target Retirement Date FundsDate Funds are a series of broadlyIf your birthday is.Your CalPERS Target Retirement Date Fund is1.Fund Fee2On or before 1952CalPERS Target Retirement Income Fund0.55%On or between 1953 – 1957CalPERS Target Retirement 2015 Fund0.55%On or between 1958 and 1962CalPERS Target Retirement 2020 Fund0.56%On or between 1963 and 1967CalPERS Target Retirement 2025 Fund0.56%On or between 1968 and 1972CalPERS Target Retirement 2030 Fund0.57%On or between 1973 and 1977CalPERS Target Retirement 2035 Fund0.57%underlying portfolios that use a ‘passive’On or between 1978 and 1982CalPERS Target Retirement 2040 Fund0.57%or ‘indexing’ approach to investing, byOn or between 1983 and 1987CalPERS Target Retirement 2045 Fund0.57%which the portfolio manager attempts toOn or between 1988 and 1992CalPERS Target Retirement 2050 Fund0.57%match, before expenses, the performanceOn or after 1993CalPERS Target Retirement 2055 Fund0.57%12Based on assumed retirement age of 60.The CalPERS Board of Administration periodically reviews the Plan administrative fees and adjusts fees toreflect expenses incurred by the Plan. Participant fees are changed to reimburse CalPERS for actualadministrative fees of the Plan.diversified funds which have apre-determined underlying asset mixthat is intended to adjust over time towarda more conservative allocation until theselected target date. The CalPERS TargetRetirement Date Funds are comprised ofof a designated benchmark. State StreetGlobal Advisors (SSgA) serves as themanager of the underlying index fundsand the CalPERS Investment Officeprovides oversight of the asset allocation.The current fee for the POFF Fund is 0.30% vs. 0.55% to 0.57% for the CalPERS Target Retirement Date Funds.Other expenses may apply. See the CalPERS Target Retirement Date Fund mapping table above for specific fund fees.Electing a POFF Plan Termination DistributionAll withdrawals and transfers from the POFFPlan will be processed before the POFF Plan isterminated. Elections may be made online, orby form. However, please note that requestssubmitted via paper form may take approximately2-4 weeks to process. Transfers to the new SCP POFF Rolloveraccount will happen automatically; if you donot make an affirmative election otherwise.Log in to your POFF Plan account and follow theinstructions below according to your marital status: If you are not married, go to the BeneficiaryInformation section and, update yourbeneficiary information and marital statusto “single”. Your record will be updated overnight. You may then log in the next day, and anonline distribution option will be available.3https://poffsup.voyaplans.com Download the Spousal Consent Form. Fill out the form and send/fax it to Voya .TMRegular Mail:Voya POFF PlanP.O. Box 5166Boston, MA 02206-5166Overnight Mail: Voya POFF Plan30 Braintree Hill Office ParkBraintree, MA 02184By fax to:Requesting a Distribution OnlineRequesting a Distribution by Mail If you are married, go to the Forms page.1-888-228-6185 Once Voya updates your record, an onlinedistribution option will be available andyou may log in to process your request. You may also call the Plan InformationLine and speak with a Participant ServiceRepresentative by calling 1-888-600-POFF(7633) Monday – Friday, 6:00 a.m. – 5:00p.m. Pacific Time (except on stock marketholidays) to request a distribution.1-888-600-POFF (7633)Call the POFF Information Line at1-888-600-POFF (7633) to have thePOFF Plan Termination Distribution Formmailed to you. POFF Plan participants who indicate they aremarried on the distribution form must havea Spousal Consent Form on file within the past90 days POFF Plann participants who indicate theyare not married need no further validation
DistributionOption BA closer look at.Electing a RolloverThis type of transfer is dictated by the administrative rules of the plan you are transferring to.Therefore, it is important that you contact them as soon as possible to find out whether thatThinking about rolling over toanother plan?CalPERS is committed to serving those who serveplan accepts rollovers and, if so, what documents are needed to complete the rollover.California. We understand that an important step is toBasic Steps to roll over to an eligible retirement plana Plan Comparison Worksheet to help you understandcompare your rollover options. CalPERS has includedand compare the features and benefits of various Certify your marital status as noted on page 3. Contact your new plan provider. You will most likely need to complete an accountapplication to open an account prior to the transfer distribution.rollover options. The worksheet presents a number ofimportant questions to ask any plan provider, including: Complete a distribution request from the POFF Plan online. Are there account maintenance fees associatedwith the new plan? You will need to include instructions to make the distribution check payable to the What will your new fund expenses be?new plan (as directed by the new plan provider). Your distribution check will be mailed to your address on file with Voya and you mustthen deliver the check to the new plan provider within 60 days.It is important that you follow all steps as directed by the new plan provider inorder to avoid any negative tax consequences.DistributionOption C Will you be required to pay a sales commission tobuy or sell your investments? How easy is it to select your investments? Is it easy to keep track of your account? How flexible are your future distribution options?A closer look at.Electing a cash distributionPrior to plan termination, you may elect to take a cash distribution from your POFF account.Cash distributions will be made once the marital status certification requirements are satisfied.Steps to completing your online request for a cash distribution:1. Certify your marital status as noted on page 3.2. Once your marital status is on file with Voya you may log in to your POFF accountthe next day to request your distribution or request a distribution by mail.3. Your distribution check will be mailed to your address on record.Tax consequences of a cash distributionState and Federal income taxes will generally be duein the year of the cash distribution. However, thedistributions are subject to the following mandatorywithholdings: 20% of the value of your distribution will bewithheld for Federal tax purposes. 2% of the value of your distribution will bewithheld for California state tax purpose If taken prior to age 59½ an additional tax penaltyof 12.5% (10% Federal, 2.5% State) may apply.Consider the effect of taxes & penalties carefully before taking a cash distributionTaking a Cash Distribution.vs. maintaining a tax-deferred account**Take Bob, age 40. His POFF account is worth 20,000 and he has a few debts thatIf Bob had kept his 20,000 in a tax-deferredare close to 20,000 that he’d like to clear up. After paying taxes and penalties theaccount earning 6% per year for 20 years until heactual net amount of that distribution is 10,040.retired at age 60, the value of that account wouldthen be worth 64,143!Paying Taxes and Penalties*.Amount of Cash DistributionLess Taxes 20,000.00RateFederal Taxes on 20,00028% (5,600.00)State Taxes on 20,0009.3% (1,860.00)Federal Penalty on 20,00010% (2,000.00)State Penalty on 20,0002.5%Penalties if Taken Prior to age 59½Total “After-Tax” Distribution (500.00) 10,040.00**This hypothetical example assumes a 6% effective annualreturn and no withdrawals. For illustrative purposes only, toshow how the number of years invested in the Plan could affectparticipant account values. Not intended as a guarantee of pastor future performance of any security. Hypothetical assumptionsare not guaranteed. Your actual results may vary. Actual rate ofreturn may be more or less than shown and will depend upon anumber of different factors, including your choice of investmentoptions. Any fees, expenses or charges that may be associatedwith the Plan are not considered in this illustration. Plans havingthese charges would reflect lower net returns.* Assumes a cash distribution of 20,000 and Federal taxes at 28%, California State taxes at 9.3% andpenalties 10% of for Federal and 2.5% for POFF (7633)4
The advantages of staying with CalPERS.The CalPERS SCP POFF Rollover account is designed to offer a diverse range of investment choices while avoiding an overly complexfund lineup. If your POFF account transfers to an SCP POFF Rollover account you will initially be invested in the CalPERS TargetRetirement Date Fund based on the year you will reach age 60.Once the plan termination is complete you will have access to your new POFF Rollover account including access to an all newinvestment lineup (see the table below). This lineup is organized into choices of investments that offer you the opportunity todecide how involved you want to be in actively designing your own asset allocation based on your individual circumstances, goals,time horizons and risk tolerance.Your ChoiceYour InvolvementHelp-Me-Do-It.You select the fund,CalPERS manages theasset allocation ofthe fund.Target RetirementDate Funds —A diversified portfolioin a single fund.Do-It-Myself.Core Funds — Acarefully selected listof passively managedinvestment options.This approach isconvenient if you don’thave the desire, time orexperience to activelyselect your asset allocationand manage it over time.You select your fundsand actively designand manage yourasset allocation.If you like to design andactively manage yourown asset allocationbased on your individualcircumstances, you canchoose from a carefullyselected list of coreinvestment fund options.The InvestmentApproachA series of targetretirement date fundsoffer a diversified portfolioin one fund. Each fundinvests in a well-diversifiedportfolio of index fundsthat is automaticallyrebalanced to a lessaggressive mix ofinvestments to becomemore conservative as itapproaches its target date.CalPERS has selected aset of six index funds indifferent asset classes(stocks, bonds, and cashequivalents) so you candiversify your portfoliobased on your personalsituation.Investing 101What are target date funds?Target date funds are broadly diversified portfoliosthat invest across numerous asset classes basedon a projected retirement date. You simply choosea target date fund based on the date you expectto begin withdrawing money for retirement. Whiletarget date funds offer a diversified portfolio in asingle fund, you should continue to monitor yourplan account and make adjustments as needed.What are index funds?Index funds are designed to produce results thatmirror the performance of the index they track bybuying and holding the stocks or bonds includedin the index. That’s why these funds are oftendescribed as passively managed. If you want toinvest in a certain asset class, such as the stocks orbonds of large U.S. companies, an index fund givesyou a convenient way to invest without having tochoose individual stocks or bonds.What is an index?A fund’s performance is usually compared with itsmarket benchmark or index. An index is a groupingof stocks or bonds selected to represent theNew flexible distribution optionsmarket. The best-known index is the Dow JonesIndustrial Average that follows 30 of the largestUnder the POFF Plan you could not withdraw your money until you permanentlyU.S. companies. The Standard & Poor’s 500 Indexseparated from all State employment. With the new CalPERS SCP POFF Rolloverwidens the range to include 500 of the largest U.S.account, you will have access to your rolled over funds and you may begin takingcompanies for a broader reading of the market.distributions at any time. IRS rules governing early distribution penalties may applyAn index is not managed and cannot be investedif you haven’t attained age 59½. The Plan offers a variety of distribution options toin directly.suit your financial POFF (7633)
WE’RE ENTERING A QUIET PERIODMark your calendar and plan ahead!To implement the plan termination we will need to enter aIt will be necessary to suspend all account access during the QuietQuiet Period beginning on March 2, 2015 at 1:00 p.m. Pacific TimePeriod. You will not be able to make changes to your account, or to makeand ending on March 16, 2015 at 6:00 a.m. Pacific Time.transactions of any kind, including requesting withdrawals, during theAfter careful review of the plan termination information and fund fact sheetsprovided in this brochure, if you wish to elect a distribution option other than thedefault rollover to the CalPERS SCP POFF Rollover account, you may do so beforeQuiet Period. If you have any questions, please call a Participant ServiceRepresentative at 1-888-600-POFF (7633) Monday – Friday,6:00 a.m. – 5:00 p.m. Pacific Time (except on stock market holidays).the Quiet Period begins on March 2, 2015, or after it ends on March 16, 2015.At the end of the Quiet Period:Please note that any Participants who do not elect a rollover or distribution Account access for those who opted to transfer to the new CalPERS SCPprior to the start of the Quiet Period will be defaulted into the SCP POFFRollover account. Rollover and distribution options will be available fromthe SCP POFF Rollover account after the Quiet Period ends.POFF Rollover account will resume at https://calpers.voyaplans.com and(800) 260-0659. Checks for cash distributions and eligible retirementplan rollovers will be mailed to participant addresses on record.CalPERS Target Retirement Date FundsCalPERS Target Retirement Date Funds offer the ease and convenience of aInvesting 102professionally managed, diversified portfolio for participants who don’t have the time,Building your investment portfolio.desire or expertise to choose an appropriate asset mix for their situation and activelyIt is important for you to determine how longmanage it over time. Once you select your target date fund, the fund’s underlying assetyou plan to keep your money invested, and yourmix will automatically adjust over time so you don’t have to actively manage yourwillingness to stay invested during market ups andallocation after making the initial investment decision.downs, and then to build a portfolio appropriate forthat strategy. When developing your investmentThe Core Fund Lineupstrategy, you need to consider:If you like to pick, actively manage and design your asset allocation, you can choose from How much to save and invest today.a carefully selected list of core investment fund options. CalPERS has selected a set of six Your investment time horizon.index funds in different asset classes (stocks, bonds, and cash equivalents) so you can Your risk tolerance.diversify your portfolio based on your personal situation.Once you determine the answers to these questionsThe Core Fund LineupFund Fee1SSgA Short-Term Investment Fund0.58%SSgA U.S. Short-Term Government/Credit Bond Index Fund0.58%SSgA Real Asset Fund0.68%SSgA U.S. Bond Index Fund0.53%SSgA Russell All Cap Index Fund0.54%SSgA Global All Cap Equity ex U.S. Index Fund0.59%1Other expenses may apply.you can create an investment mix that will help youwork toward your objective.Investing 103The importance of asset allocation whenbuilding your investment portfolio.Combining different types of investments throughasset allocation and diversification may help youThe Self-Managed Accountmanage risk and maximize your return potentialby smoothing out market fluctuations, while stillIn addition to the options above you will have access to a Self-Managed Account (SMA).taking advantage of the market’s potential for higherThe SMA is a fee-based brokerage account that offers you the ability to invest in mutualreturns. Diversification through asset allocationfunds and Certificates of Deposit (CD’s). You have to apply for and set up a separate SMAdoes not ensure a profit or protect against loss.account before you may trade mutual funds. Please note, however, the mutual funds are notselected, reviewed or monitored by CalPERS. Additional fees may apply.https://poffsup.voyaplans.com1-888-600-POFF (7633)6
ImportantTermination DatesMarch 2, 2015Last day to submit distribution election. All requests must be received NO LATERTHAN 1:00 p.m. Pacific Time If no election has been made by a participanttheir account will, by default, roll over to thenew CalPERS SCP POFF Rollover accountMarch 2, 2015Quiet Period Begins at 1:00 p.m. Pacific Time Temporary suspension of all account access All funds remaining in the POFF Plan will berolled over to the SCP POFF Rollover account.March 16, 2015Quiet Period Ends at 6:00 a.m. Pacific Time Full access to SCP POFF Rollover accountsrestored You will now have access to your SCP POFFRollover account and may transfer yourmoney among the Plan’s investment options. All account transactions accessible through: https://poffsup.voyaplans.com 1-888-600-POFF (7633)Member service is a CalPERS priority!CalPERS is committed to making your account easier to access and manage. We provideonline access to tools and educational resources on retirement planning and personal finance.Many Plan features and services are available today to make it more convenient for you tomanage your account — with more coming soon.Toll free dedicated Plan Information Line.You can request information and get help with transactions or questions about youraccount by calling 1-888-600-POFF (7633) Monday – Friday, 6:00 a.m. – 5:00 p.m. PacificTime (except on stock market holidays).New website.An even better online experience for managing your Plan account and investments.Mobile app.You can access your Plan account using your iPhone , iPod touch or Android device.Try the new savings calculator, too! Download the app at no charge directly from theApp Store or the Google Play Store (keywords: Voya Retire).iPhone, iPod touch are trademarks of Apple Inc., registered in the U.S. and other countries.App Store is a service mark of Apple Inc. Android is a trademark of Google Inc.November 17, 2014Important Notice Concerning Your Rights Under CalPERS Supplemental Income PlansThis notice is to inform you that the CalPERS Supplemental Income Plans has receivedapproval from the Internal Revenue Service to terminate the POFF Plan. This plantermination comes at the request of California Correctional Peace Officers Association(CCPOA) and was signed into law by the California Legislature in the fall of 2013.As a result of plan termination all funds held in participant accounts must be distributedin one of three ways as elected by participants:(1) Automatic transfer to the new CalPERS SCP POFF Rollover account,(2) Rollover to another qualified plan other than the CalPERS SCP POFF account, orPre-Plan TerminationCheck ListLog on to the Plan website or requesta new PIN be sent to you.Review your beneficiary information.Update your contact information. Active Members: Please contactyour employer Separated Members: Pleasecontact CalPERS toll-free at888-CalPERS (or 888-225-7377)If married and taking a distribution, besure to submit a Spousal Consent form.If single and taking a distribution,self-certify your “Not Married” statusonline the day before making yourdistribution request.3034891.G.P(3) Cash distribution.The distribution of account assets will occur during a “Quiet Period,” during which you will beunable to exercise any rights otherwise available under the POFF Plan. Whether or not you areplanning retirement in the near future, we encourage you to carefully consider how this QuietPeriod may affect your retirement planning, as well as your overall financial plan.The Quiet Period for the Plan will begin on March 2, 2015 at 1:00 p.m. Pacific Time and endon March 16, 2015 at 6:00 a.m. Pacific Time. If you have any questions concerning this notice,you should contact a Participant Service Representative by calling 1-888-600-POFF (7633)Monday – Friday, 6:00 a.m. – 5:00 p.m. Pacific Time (except on stock market holidays).You may also contact your Plan Administrator via mail at:Regular Mail:Voya POFF PlanP.O. Box 5166Boston, MA 02206-5166Overnight Mail:Voya POFF Plan30 Braintree Hill Office ParkBraintree, MA 02184
CalPERS Supplemental Income PlansComparison WorksheetCalPERS is committed to serving those who serve California. We understand that an important step is to compare your rolloveroptions. This Plan Comparison Worksheet will help you understand and compare the features and benefits of various rolloveroptions. This worksheet presents a number of account features to verify with any plan provider.Account FeaturesSCP POFF Rollover accountMinimum AccountBalanceNoneAnnual Account FeesNoneFund Management FeesYesTarget Date FundsYes, the funds are speciallydesigned for Public Sector EmployeesAccount Access(Phone & Online)YesRetirement PlanningTools & ServicesNone*YesSales Commission FeesNone*Investment &Trade RestrictionsNone**Distribution OptionsRollover Option B(Write the response below)0.53% - 0.68%Self-DirectedBrokerage OptionTrading FeesRollover Option A(Write the response below)A. Rollover to Eligible Retirement PlanB. Installment PaymentsC. Lump Sum DistributionIRS rules governing early distributionpenalties may apply if you haven’tattained age 59½.* There are certain fees are associated with the Self-Managed Brokerage Account (an optional program offered by a select number of contracting employers).** CalPERS has a frequent trading policy to secure the investment performance of the SIP funds for the benefit of all investing in the funds. As the funds are designed toachieve participants’ long-term retirement income goals, short-term trading will be limited. Multiple round trip trades into and out of a fund is subject to these restrictions.For more information visit:http://www.calpers.ca.gov/index.jsp?bc /investments/policies/other/home.xml
Supplemental Contributions PlanTarget Retirement Date FundsSeptember 30, 2014OverviewStrategic ObjectiveTarget Retirement Date Funds (the "Fund" or "Funds") area series of diversified funds, each of which has a predetermined underlying asset mix that will adjust over timetoward a more conserva
more than 15 years we've offered our Supplemental Income Plan services to participants to help you invest for your retirement goals. The Peace Officers' and Firefighters' (POFF) Supplemental Plan was an employer-provided benefit negotiated with the State of California by the California Correctional Peace Officers' Association (CCPOA).
