Obligations, including any guaranty, are based upon the claims-paying ability of the YMCA Retirement Fund. Any obligations, guarantees or benefit payments under the terms of the Plans are not insured by any federal government agency. The material on this website is for informational or educational purposes only and does not constitute legal, tax or fiduciary investment advice under ERISA, a securities recommendation under all securities laws, or an insurance product recommendation under state insurance laws or regulations. This material does not take into account any specific objectives or circumstances of any particular investor or suggest any specific course of action. Investment decisions should be made based on the investor’s own objectives and circumstances.