{"id":3351,"date":"2022-03-08T22:31:37","date_gmt":"2022-03-08T22:31:37","guid":{"rendered":"http:\/\/sandbox.planmember.com\/fcdev\/ibew-neca\/?page_id=3351"},"modified":"2022-03-08T22:31:37","modified_gmt":"2022-03-08T22:31:37","slug":"investment-options","status":"publish","type":"page","link":"http:\/\/sandbox.planmember.com\/ibew-neca\/other-union-members\/local-unions-retirement-income-program\/investment-options\/","title":{"rendered":"Investment Options"},"content":{"rendered":"<p><strong>Local Unions Retirement Income Program Investment Options<\/strong><\/p>\n<p>Depending on your lifestyle needs, income objectives and level of investment experience, you can select from a diversified range of investment and income options.<sup>1<\/sup> You have the flexibility to select a single program option, or you can combine choices to create the retirement portfolio that meets your unique needs.<\/p>\n<p><strong>PlanMember Elite<br \/>A Time-Tested Approach to Retirement Investing<\/strong><br \/>PlanMember Elite is a full service option featuring a series of Asset Allocation Portfolios that are managed using the same approach to retirement investing utilized by the nation&rsquo;s largest pension plans. Each portfolio consists of a strategic blend of load-waived and no-load mutual funds* from American Funds, Dimensional Fund Advisors, Federated Investors, Fidelity Investments, OppenheimerFunds, T. Rowe Price and Vanguard, and is managed according to a time-tested approach based on a disciplined process, broad investment diversity and active portfolio management.<\/p>\n<p><strong>Income Annuities<br \/>Guaranteed Income for Now or Later<\/strong><br \/>One of the fundamental principles of the Retirement Income Program is that essential expenses should be covered by guaranteed income sources<sup>1<\/sup>. Based on this belief, the program offers guaranteed income annuity products<sup>2<\/sup> from New York Life that provide you with either immediate income or deferred income beginning at a date of your choosing. Both have a variety of payment options including guaranteed lifetime income<sup>1<\/sup> for you and\/or your spouse.<\/p>\n<p><strong>PlanMember Direct<br \/>A Do-It-Yourself Approach<\/strong><br \/>PlanMember Direct<sup>3<\/sup> is designed for members who wish to construct and manage their own investment portfolio. Members can choose from a platform of nearly 200 no-load and load-waived mutual funds* from many of the nation&rsquo;s most recognized fund companies including American Century, Delaware, Dreyfus, Fidelity, Franklin Templeton, Invesco, Janus, J.P. Morgan, OppenheimerFunds, Neuberger Berman, Pioneer, RS Investments, Sentinel, T. Rowe Price and Vanguard.<\/p>\n<p class=\"disclaimergrey\">*An annual asset-based fee will apply as well as other internal expenses and fees of the funds.<\/p>\n<p><sup>1.<\/sup> Certain options not available in all states.<br \/><sup>2. <\/sup>Guarantees and benefits are subject to the claims-paying ability of the underlying insurance company.<br \/><sup>3.<\/sup>&nbsp;PlanMember Direct is a client directed option. Client is solely responsible for meeting investment minimums and policies disclosed in the applicable fund&rsquo;s prospectus.<\/p>\n","protected":false},"excerpt":{"rendered":"<p>Local Unions Retirement Income Program Investment Options Depending on your lifestyle needs, income objectives and level of investment experience, you can select from a diversified range of investment and income<\/p>\n","protected":false},"author":11,"featured_media":0,"parent":3174,"menu_order":0,"comment_status":"closed","ping_status":"closed","template":"","meta":{"_acf_changed":false,"footnotes":""},"wf_page_folders":[105],"acf":[],"yoast_head":"<!-- This site is optimized with the Yoast SEO plugin v22.8 - https:\/\/yoast.com\/wordpress\/plugins\/seo\/ -->\r\n<title>Investment Options - IBEW-NECA<\/title>\r\n<meta name=\"robots\" content=\"index, follow, max-snippet:-1, max-image-preview:large, max-video-preview:-1\" \/>\r\n<link rel=\"canonical\" href=\"https:\/\/sandbox.planmember.com\/ibew-neca\/other-union-members\/local-unions-retirement-income-program\/investment-options\/\" \/>\r\n<meta property=\"og:locale\" content=\"en_US\" \/>\r\n<meta property=\"og:type\" content=\"article\" \/>\r\n<meta property=\"og:title\" content=\"Investment Options - 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