TABLE OF CONTENTS
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2010
JulyJoseph Montanaro 1938-2010; Directed Account Plan Launches New Website
AprilIntroducingthe Retirement Model; New Partial Withdrawal Option
JanuaryDAP Changes to Look for in 2010
2009
OctoberTips for Surviving the Next Disaster; Stable Value Update; Recent Allocation and Manager Changes
JanuaryWelcome Aboard Community America Credit Union; Monitoring our Managers
2008
OctoberMarket Declines – A History Lesson Revisited
JulyThe Pursuit of Guaranteed Returns
AprilGreat News! For both Current and Former DAP Participants
JanuaryDAP Year In Review 2007; How Stable Value and Wrapper Agreements Work
2007
OctoberMarket Timing – Put Down that Watch, You Can’t Time the Market
JulyDetermining Your Distribution Rate
AprilThe Distribution Phase of Retirement Why Consider the DAP Model Portfolios?
JanuaryReviewing the DAP Investment Options
2006
OctoberThirteen Years Old…And Going Strong!
AprilVisit www.4twadap.com Soon!
JanuaryDAP Participant Checklist – Very Important!
2005
OctoberThe Transition is Complete – What this Means to You
JulyLook for Changes as We Improve the DAP
AprilDAP Online Survey Results; DAP Rollover Policy
January12 Easy Steps to Preparing your Estate Plan
2004
OctoberOver Eleven Years and Still Going Strong
JulyManaging Your Retirement Online
AprilThe DAP Plan Web Site has a New Design
JanuaryMutual Fund Scandal and the DAP
2003
OctoberLiving in Retirement without Running out of Money
JulyTen Year Anniversary Issue, Getting Back In
AprilThe DAP Plan Expense Overview
JanuaryGuide to Retirement Planning
2002
OctoberMarket Declines – A History Lesson
2000
NovemberInvesting Based on Time Horizon
JulyWelcome Aboard! The New Interactive TWA Pilots DAP/401(k) Website
MarchInternet Account Access Coming Soon, Back to Basics
1999
November Market Volatility, The Millennium Looms
July Survey Reveals Common Questions
MarchActive Versus Passive Investing – not available
1998
NovemberUsing International Stocks to Diversify
JulyBenchmarks – Comparing Apples to Apples
MarchThe Importance of Financial Planning
1997
November Risk and The Sharpe Ratio
JulyAsset Allocation and a Rebalancing Check ;Reviewing the DAP/401(k)’s Investment Options
MayA Historical Perspective on the ModelPortfolios
1996
DecemberThe Value of One Percent
AugustReturn & Risk – A Three Year Progress Report;Reviewing the DAP/401(k)’s Investment Options
MayThe Risk of Being Out of The Market
1995
OctoberManaging Risk Through Diversification
JulyThe Model Portfolios ; Reviewing the DAP/401(k)’s Investment Options
MarchLifetime Saving Through the DAP/401(k)
1994
DecemberBuy and Hold as Market Timing; Age 701/2 Minimum Distribution
AugustAnalyzing Performance using Benchmarks; What Does the DAP/401(k) Cost?