My Services
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Investment Performance
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At the May 17, 2012 meeting of the Fund's Board of Trustees, Management recommended and the Board approved the interest that will be credited to all accounts for the period July to December 2012.
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Nearly half of soon-to-be-retired American savers say they are “terrified” that health care costs may ruin their retirement plans. A recent survey shows that even well-off Americans are nervous about their ability to afford health coverage throughout retirement.
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Americans ages 18 to 34 have the most time to save for retirement. Looking at the current shaky retirement landscape, they’re going to need all the time they can get. Some heavy challenges test this generation of savers.
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More people are planning to retire at older ages, and/or work for a paycheck during retirement.
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Financial fraud is on the rise, made easier by the Internet, new tactics, and easy prey left vulnerable by the economy.
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The funding level is the market value of the Fund’s assets as a percentage of its liabilities. The Fund’s liabilities represent the present value of all future benefits promises to both current participants as well as retirees.
The primary challenge is to exceed 100% funding before interest credits greater than 3% can be considered.
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Compare $1 Saved in the Fund
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Apr '07  Apr '12 |
Apr '02 Apr '12 |
Average Annualized Rates of
Return for Periods Ended April 30, 2012 |
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5 Years |
10 Years |
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Fund Account
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4.85%
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6.54%
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65/35 Blend
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3.10%
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5.37%
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 YMCA Retirement Fund Account
 65% Stocks / 35% Bonds
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Account balances at the Fund have grown steadily, even when the funding level has been below 100%. Compare this to the risk and volatility of a typical portfolio--with 65% in stocks and 35% in bonds.*
*The Russell 3000 Index is used to represent publicly held US stocks. The Barclays Capital Aggregate Bond Index is used to represent bonds traded in the US.
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