Your Partner for Student Sucess

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 opinions of the CSD Retirement Trust.



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

Teacher and Student


Retirement Income Needs Vary  >>more

Group Teachers


Workers Need Planning Help Thru Retirement >>more



Longer term view needed for TDFs >>more

CNN Money


Are you making this retirement mistake >>more



Thinking about your retirement savings?>>



Addessing Home Country Bias in DC Plan Investments



Many Millennials Prefer Cash as Long-Term Investment

 CSD Retirement Trust

Benefits of Membership
Learn how the CSD Retirement Trust benefits individual participants.
Retirement Trust Brochure
Learn What They're Saying
Read What Experts Are Saying
The Full Study
Lower Your Fees, Boost Your Returns
How Expense Ratios and Start Ratings Predict Success
For more information, contact Steve Keyser at 314.265.6192 or

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

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

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 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 have 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.
September 30, 2015 CSD Retirement Trust 403(b) and 457(b) Plan Investment Options
CSD Retirement Trust as of 3/31/2017

Valic Saving Matters
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How much will you save in 2015?
Valic Updates

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

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