Benefits of Membership

Learn how the CSD Retirement Trust benefits individual participants.

Learn more in this informative presentation Download the PowerPoint

Retirement Trust Brochure
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Learn what they're saying
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For more information, contact Steve Keyser at 314-265-6192 or


Read what the experts are saying.
Study by TIAA-CREF
Who's Watching the Door
A White Paper PDF Download
The Full Study PDF Download

Lower your fees, boost your returns>>Download the PDF

How Expense Ratios and Star Ratings Predict Success
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moneyCSD Retirement Trust
Member's Information
Quick links to current information about your investments. Opinions expressed in linked web articles are for information purposes only. They do not necessarily represent the opinion of the CSD Retirement Trust.


CBIZgreenlogoHiResnoRRetirement Matters Quarterly
As part of our effort to educate our CSD-RT participants, we are posting the most recent Retirement Matters™ newsletter published by our Registered Investment Advisor, CBIZ Retirement Plan Services.

Q2 - 2016 newsletter (English)

Q2 - 2016 newsletter (Spanish)

Target Date Funds
The following articles discuss recent studies about Target Date Funds (TDF).  These articles may be of interest to participants who are or are thinking about using TDFs as part of their retirement planning.  The Retirement Trust offers TDFs in 5-year increments for participants.

BlackRock Argues To-Retirement TDFs Are Best

TDFs Popular with Female and Younger Investors

TDF Investors More Confident About Retirement Goals >>more

Fund Performance since CSD-RT inception (1/1/10-12/31/14)

Retirement Trust Investment Options “out-perform their Benchmarks.”  The CSD Retirement Trust released the performance of its investment fund options since the inception of the Trust on January 1, 2010 through December 31, 2014 and noted that, in 30 of the 32 categories (94%) for which data was available, the CSD-RT investment options outperformed their category benchmarks for the same time period.

The CSD-RT continues to focus on lowering management fees for the investment options provided.  Since inception, the Trust has been able to reduce management fees on 20 of the 24 mutual funds (including Target-Date Funds) offered  Administrative expenses have decreased by 42% since the Trust began. Download pdf

September 30, 2015 CSD Retirement Trust 403(b) & 457(b) Plan Investment Options Download the pdf

Valic Saving Matters



What you should know in creating an emergency fund.

How much will you save in 2015? Download the pdf

Valic Updates
General Account Fact Sheet 1Q15

If you’re planning to retire in the next few years, these two articles are a good overview of issues you may want to be thinking about.

Survey Finds Retirees and Pre-Retirees Faring Well

Most Have No Formal Retirement Withdrawal Strategy



(b)lines Ask the Experts-Differences in RMDs for 403(b) Plans >>more



Retirement Income Needs Vary >>more



Workers Need Planning Help Thru Retirement >>more



Longer term view needed for TDF's>>more



Are you making this retirement mistake>>more



Thinking about your retirement savings?>>
More workers...
Most workers...



Addessing Home Country Bias in DC Plan Investments



Many Millennials Prefer Cash as Long-Term Investment








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