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Washington state investment board ciob hudson investment group limited insurance

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Keywords architecture, architecture framework, architecture development method, architect, architecting, enterprise architecture, enterprise architecture framework, enterprise architecture method, method, methods, open, group, technical reference model, standards, standards information base About The Open Group Participants This document was prepared by The Open Group Architecture Forum and incorporates TOGAF 9 and TOGAF 9 Technical Corrigendum No.

Energistics TM is a trademark of Energistics. Enterprise Architecture Maturity Model, Version 1. IEEE Std Cox, R. Buschmann, R. Meunier, H. Rohnert, P. McCarthy, January ; refer to www. McCarthy; refer to www. The following web sites provide useful reference material: IBM Patterns for e-business: www.

The Patterns Home Page: hillside. The Volere web site has a useful list of leading requirements tools: www. So far, the devotion to private markets this year seems to be paying off. Given that, it has been less subject to the swings of volatile equity markets. Instead, WSIB has among the largest private equity and real estate pension plan allocations in the U. Its tangible assets portfolio is a smaller 5. The fund is managed by Stonepeak Infrastructure Partners, a New York firm that specializes in North America infrastructure opportunities.

The investment board has a long-term relationship with Stonepeak Infrastructure Partners. It also has had two prior co-investments with Stonepeak Evergreen Partners, the co-investment fund.

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You can invest in any combination of the investment funds available through Plan 3. With the One-Step Investing approach, your Retirement Strategy portfolio is already well diversified and will automatically adjust as you move closer to your target date. With the Build and Monitor approach to investing, you can allocate your contributions among the seven available funds to achieve diversification. Spreading your assets among different types of investments might help you achieve a favorable rate of return while minimizing your overall risk of losing money.

Market or other economic conditions that can cause one category of assets, or one particular security, to perform very well can often cause another asset category, or another particular security, to perform poorly. Although diversification is not a guarantee against loss, it is an effective strategy to help you manage investment risk.

As we mentioned before, past investment performance is no guarantee of future results. To see current performance for each option, review the Investment performance section. The growth of investments is always tied to some form of risk. Earnings do not always increase. Higher risk investments are designed to have the potential for higher earnings faster growth , but they also have a greater potential for a loss of principal.

Lower risk investments minimize risk, but this also comes at the cost of potential for faster growth. This is generally why younger investors will have higher risk investments where investors closer to retirement age select lower risk investments. The level of risk you choose is a personal decision.

If you joined the plan on or after July 22, , the default investment in the plan is a Retirement Strategy Fund that assumes you want to retire at age Not automatically. Contributions from your paycheck must go into one investment program or the other. However, once the money has been deposited you can transfer any amount into the other investment program or other funds by calling the Plan 3 Investor Services team at It is possible to have auto-deposits into one fund and manually transfer some portion of that deposit into the other investment program.

Choosing an investment program is a personal decision you should make after evaluating your risk tolerance and desired involvement level. Detailed fund information is available in the Investments section. While DRS and the Plan 3 record keeper can provide you with information about investments, we cannot offer investment advice.

If you are still not sure which investment approach might be right for you, talk with your financial advisor. These fact sheets are prepared by the fund managers and contain information about performance, asset mixes and the goals of the fund. As with all investments, past performance is no guarantee of future results. This shows performance to the most recent month-end.

Here you can also change investments quickly and easily pretty convenient. Investment performance is the return on an investment fund and is measured over a specific period. DRS uses investment tables to help you compare the performance of all available investments at one time. Below each investment name, you will see an additional row that is labeled benchmark or index indented slightly. Build and Monitor funds : Available funds include a bond fund, a short-term investment fund, a socially responsible fund and a series of index funds.

Index funds are based on publically traded funds. Retirement Strategy Funds : Also called age-based or target date funds, the risk-level of these funds is adjusted as you approach retirement age reduced as you age. Retirement Strategy Funds are easy to spot because they have a year attached to the name, such as or This fund performance is measured using benchmarks.

Unlike index funds, which have corresponding market index performance, Retirement Strategy Funds can be made up of multiple index measurements depending on the proportions of fund-types invested. Each benchmark is unique to the fund it mirrors. While benchmarks and indexes are as close a comparison as you can have to your actual investment, the measurement tools do not include any fees associated with the funds. However, fees are calculated into the investment performance numbers you receive.

You cannot invest directly in a benchmark or index. Now you may be wondering: What do people actually do with this information? Why is investment performance a helpful tool? Three reasons: Past, present and future. Past : Past investment performance is no guarantee of future results. Present : How are your investments doing? Are they meeting their benchmark goals? How do they compare to other funds?

Use the tables to look at how your funds perform over time. Future : How close are you to retirement? Be sure to consider investment fees when deciding whether to move your investments. Some investments have higher fees. In addition to fees, consider the risk level for the investment. In DRS performance and fee tables, investments are listed in order from lowest to highest risk.

While DRS and the record keeper can provide you with information about investments, we cannot offer investment advice. Each one is diversified and automatically rebalances, adjusting your asset mix as you move toward a target date the date you intend to begin making withdrawals that meets your needs and lifestyle.

Funds within the Self-Directed Investment Program are valued daily. Daily valuation means the fund values are adjusted daily to reflect the most current investment performance. This valuation enables you to have ready access to your funds. You can manage your investments and receive statements and payments more quickly than the monthly valued WSIB Investment Program. A Retirement Strategy Fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date.

The Retirement Strategy Funds are identified by a target retirement year, spaced in five-year increments. Retirement Strategy Funds are valued daily. You can manage your investments and receive statements and payments more quickly than the monthly-valued investments.

These Retirement Strategy Funds each link to a fact sheet with more information about the fund. This information is prepared by AllianceBernstein L. Take the year you were born and add it to the age you expect to retire or withdraw your funds. Pick the fund with the date closest to your target date. In the example here, the closest fund would be If you defaulted into Plan 3, or chose Plan 3 but did not select an investment, you were automatically placed into the Retirement Strategy Fund closest to the year you turn age You can change your investment options at any time.

Diversified asset allocation portfolios designed for people who want to leave ongoing investment decisions to an experienced portfolio management team. The Retirement Strategy Fund is designed to correspond with the date closest to your expected target date for retirement. When you are far from your target date for retirement, most of the assets are invested in globally diversified equity portfolios.

As you get closer to the target date for retirement, and continuing for 15 years beyond your target date, the management team gradually adjusts your fund to a more conservative asset mix. That means fewer stocks and more bonds and short-term investments. These assets can help generate income and protect your savings in retirement. The principal value of the fund s is not guaranteed at any time, including at the time of the target date or withdrawal. Investments include U. Each Retirement Strategy Fund is a complete portfolio that automatically adjusts and rebalances as you move closer to your target date.

Here is a brief summary of each fund along with a link to its corresponding fact sheet. Each fund has a fact sheet with detailed information about the fund. These fact sheets are prepared by the fund managers. Fund fact sheet Prepared by Morningstar, Inc. Investment type Stable value fund. Fund fact sheet Prepared by Washington State Investment Board Investment type Income fund Investment objectives The Washington State Bond Fund seeks to provide returns while controlling risk by investing in high-quality corporate bonds.

The fund's performance objective is to match or exceed the return of the Barclays Capital Intermediate Credit Index. Investment strategy Normally invests in a diversified portfolio of intermediate investment grade corporate bonds. Fund composition The fund invests in corporate obligations with a rating of at least Baa by Moody's Investors Service, Inc.

The portfolio is expected to have an average life of approximately five years. Who might want to invest This could be an appropriate retirement investment if you are a conservative investor seeking to build capital gradually through moderate capital appreciation and through compounding of income.

It might also be appropriate if you are a more aggressive investor and want to diversify your portfolio. A bond fund's yield, share price and total return change daily and are based on changes in interest rates, market conditions, economic and political news and the quality and maturity of its investments. In general, bond prices fall when interest rates rise and vice versa.

Fund fact sheet Prepared by Walden Asset Management Investment type Social fund Investment objectives The Socially Responsible Balanced Fund seeks long-term capital growth through an actively managed portfolio of stocks, bonds and money market instruments. Asset allocation will vary based on global economic conditions, current valuations within capital markets, balancing risk and reward, and the relative attractiveness of stocks versus bonds.

Equity investments will focus on an opportunity set of domestic and international companies. Fixed income investments are restricted to investment grade securities. Who might want to invest This could be an appropriate investment if you are an investor who seeks long-term growth of principal with a moderate level of risk while satisfying investment social criteria.

Investment strategy This fund uses a "passive" or indexing approach to achieve the fund's objective. Unlike many funds, this fund does not try to outperform the index; it seeks to track and does not seek temporary defensive positions when markets decline or appear overvalued.

Fund composition Invests in a diversified sample of publicly traded common stocks throughout the U. Who might want to invest This fund is intended for long-term investors seeking to capture the earnings and growth potential of large U.

Covering large-, mid- and small-capitalization securities across 45 developed and emerging market countries, the ACWI IMI provides broad global equity market exposure. Investment strategy Investing in foreign markets might offer additional diversification benefits to an investment portfolio.

Diversification is not a guarantee against loss, it can be an effective strategy to help you manage investment risk. Fund composition Invests in a broadly diversified portfolio of small, medium and large companies in developed and emerging markets. Who might want to invest This fund is intended for long-term investors seeking to capture the earnings and growth potential of domestic and foreign companies in both developed and emerging markets.

Foreign investments involve special risks, including currency fluctuations, taxation differences and political developments. The Index comprises small-cap U. Investment strategy Value investing focuses on long-term gains through a portfolio of stocks that experience lower volatility than higher growth stocks.

Fund composition Invest in a diversified sample of publicly traded common stocks throughout the U. Who might want to invest This fund is intended for long-term investors seeking growth of capital. The risk level for this fund is high, as small capitalization stocks tend to exhibit more volatility than larger capitalization stocks.

Equity securities of small and mid-sized companies can be more volatile than securities of larger, more established companies. Investment strategy This fund invests in a portfolio of international equity securities, depositary receipts, registered investment companies and derivatives with the objective of providing returns which approximate as closely as practicable the capitalization weighted total rates of return of the markets in certain countries for equity securities traded outside of the United States.

Fund composition Invest in a broadly diversified portfolio of small-, medium- and large-sized companies in Emerging Markets. Who might want to invest This fund is intended for long-term investors seeking to capture the earnings and growth potential of foreign companies in emerging market countries.

Equity securities of companies located in emerging markets involve greater risks than investing in more established markets, including currency fluctuations, political developments and share illiquidity. The TAP is a fairly aggressive balanced fund that is intended for long-term investing. Can I change investments and when?

Yes, make changes to your investments at any time, even after retirement. Change your investments online or call If I didn't make a choice, where am I invested? If you joined Plan 3 on or after July 22, , the default investment program is the Retirement Strategy Fund that assumes you want to retire at age The TAP Fund is valued only once a month and the transfer of funds can take up to 60 days to complete.

Your payroll department makes a deposit into Plan 3 based on instructions you have given them. To safeguard customers against the effects of excessive trading, DRS has established trading restrictions that regulate how frequently you can change investments.

The day window is based on the last time you made a transfer out of the fund. The restriction will not affect your regular contribution or the ability to leave state service and withdraw your money. DRS periodically reviews trade data to identify excessive trading.

If existing restrictions are not sufficiently addressing excessive trade practices, DRS might take additional action. DRS reserves the right to establish or revise restrictions to comply with federal or state regulations, or as circumstances indicate.

In addition to the trading restrictions described above, DRS will also comply with restrictions put in place by our fund managers. This practice requires more cash on hand to honor the frequent trades and transfers. Because the excess cash is used to cover potential transfers instead of being invested, long-term returns can be lowered for other participants. Excessive trading can also increase fund management costs.

All investments include costs which take the form of fees. At just a fraction of a percent, most investment fees seem pretty insignificant and many of us ignore them. But knowing the true cost of your investments is a critical part of retirement savings. Plan 3 has two different types of costs: Administrative and management. Administrative costs apply to all customers, are based on the administrative costs of the program and are determined annually.

Changes, if any, usually go into effect in July. Suite Olympia, Washington Agendas and Minutes: Please note: Minutes for each meeting are not posted until they are approved by the Board at the following meeting assuming there is a quorum. Choose Option From Left. Provisions for public meetings during "Stay Home, Stay Healthy" Our Board and Committee meetings, as listed below, will be accessible to members of the public by dial-in teleconference only. Physical in-person attendance will not be permitted, nor will the Board receive verbal public comment at the Board meeting.

As always, written comments may be submitted to our Board members via our website reception mailbox: recep sib.

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Below each investment name, you will see an additional row that is labeled benchmark or index indented slightly. Build and Monitor funds : Available funds include a bond fund, a short-term investment fund, a socially responsible fund and a series of index funds. Index funds are based on publically traded funds. Retirement Strategy Funds : Also called age-based or target date funds, the risk-level of these funds is adjusted as you approach retirement age reduced as you age.

Retirement Strategy Funds are easy to spot because they have a year attached to the name, such as or This fund performance is measured using benchmarks. Unlike index funds, which have corresponding market index performance, Retirement Strategy Funds can be made up of multiple index measurements depending on the proportions of fund-types invested. Each benchmark is unique to the fund it mirrors.

While benchmarks and indexes are as close a comparison as you can have to your actual investment, the measurement tools do not include any fees associated with the funds. However, fees are calculated into the investment performance numbers you receive. You cannot invest directly in a benchmark or index. Now you may be wondering: What do people actually do with this information?

Why is investment performance a helpful tool? Three reasons: Past, present and future. Past : Past investment performance is no guarantee of future results. Present : How are your investments doing? Are they meeting their benchmark goals?

How do they compare to other funds? Use the tables to look at how your funds perform over time. Future : How close are you to retirement? Be sure to consider investment fees when deciding whether to move your investments. Some investments have higher fees. In addition to fees, consider the risk level for the investment. In DRS performance and fee tables, investments are listed in order from lowest to highest risk.

While DRS and the record keeper can provide you with information about investments, we cannot offer investment advice. Each one is diversified and automatically rebalances, adjusting your asset mix as you move toward a target date the date you intend to begin making withdrawals that meets your needs and lifestyle. Funds within the Self-Directed Investment Program are valued daily. Daily valuation means the fund values are adjusted daily to reflect the most current investment performance. This valuation enables you to have ready access to your funds.

You can manage your investments and receive statements and payments more quickly than the monthly valued WSIB Investment Program. A Retirement Strategy Fund will gradually shift its emphasis from more aggressive investments to more conservative ones based on its target date. The Retirement Strategy Funds are identified by a target retirement year, spaced in five-year increments. Retirement Strategy Funds are valued daily.

You can manage your investments and receive statements and payments more quickly than the monthly-valued investments. These Retirement Strategy Funds each link to a fact sheet with more information about the fund. This information is prepared by AllianceBernstein L.

Take the year you were born and add it to the age you expect to retire or withdraw your funds. Pick the fund with the date closest to your target date. In the example here, the closest fund would be If you defaulted into Plan 3, or chose Plan 3 but did not select an investment, you were automatically placed into the Retirement Strategy Fund closest to the year you turn age You can change your investment options at any time.

Diversified asset allocation portfolios designed for people who want to leave ongoing investment decisions to an experienced portfolio management team. The Retirement Strategy Fund is designed to correspond with the date closest to your expected target date for retirement.

When you are far from your target date for retirement, most of the assets are invested in globally diversified equity portfolios. As you get closer to the target date for retirement, and continuing for 15 years beyond your target date, the management team gradually adjusts your fund to a more conservative asset mix. That means fewer stocks and more bonds and short-term investments.

These assets can help generate income and protect your savings in retirement. The principal value of the fund s is not guaranteed at any time, including at the time of the target date or withdrawal. Investments include U. Each Retirement Strategy Fund is a complete portfolio that automatically adjusts and rebalances as you move closer to your target date. Here is a brief summary of each fund along with a link to its corresponding fact sheet. Each fund has a fact sheet with detailed information about the fund.

These fact sheets are prepared by the fund managers. Fund fact sheet Prepared by Morningstar, Inc. Investment type Stable value fund. Fund fact sheet Prepared by Washington State Investment Board Investment type Income fund Investment objectives The Washington State Bond Fund seeks to provide returns while controlling risk by investing in high-quality corporate bonds. The fund's performance objective is to match or exceed the return of the Barclays Capital Intermediate Credit Index.

Investment strategy Normally invests in a diversified portfolio of intermediate investment grade corporate bonds. Fund composition The fund invests in corporate obligations with a rating of at least Baa by Moody's Investors Service, Inc.

The portfolio is expected to have an average life of approximately five years. Who might want to invest This could be an appropriate retirement investment if you are a conservative investor seeking to build capital gradually through moderate capital appreciation and through compounding of income. It might also be appropriate if you are a more aggressive investor and want to diversify your portfolio.

A bond fund's yield, share price and total return change daily and are based on changes in interest rates, market conditions, economic and political news and the quality and maturity of its investments. In general, bond prices fall when interest rates rise and vice versa. Fund fact sheet Prepared by Walden Asset Management Investment type Social fund Investment objectives The Socially Responsible Balanced Fund seeks long-term capital growth through an actively managed portfolio of stocks, bonds and money market instruments.

Asset allocation will vary based on global economic conditions, current valuations within capital markets, balancing risk and reward, and the relative attractiveness of stocks versus bonds. Equity investments will focus on an opportunity set of domestic and international companies.

Fixed income investments are restricted to investment grade securities. Who might want to invest This could be an appropriate investment if you are an investor who seeks long-term growth of principal with a moderate level of risk while satisfying investment social criteria.

Investment strategy This fund uses a "passive" or indexing approach to achieve the fund's objective. Unlike many funds, this fund does not try to outperform the index; it seeks to track and does not seek temporary defensive positions when markets decline or appear overvalued.

Fund composition Invests in a diversified sample of publicly traded common stocks throughout the U. Who might want to invest This fund is intended for long-term investors seeking to capture the earnings and growth potential of large U.

Covering large-, mid- and small-capitalization securities across 45 developed and emerging market countries, the ACWI IMI provides broad global equity market exposure. Investment strategy Investing in foreign markets might offer additional diversification benefits to an investment portfolio.

Diversification is not a guarantee against loss, it can be an effective strategy to help you manage investment risk. Fund composition Invests in a broadly diversified portfolio of small, medium and large companies in developed and emerging markets. Who might want to invest This fund is intended for long-term investors seeking to capture the earnings and growth potential of domestic and foreign companies in both developed and emerging markets.

Foreign investments involve special risks, including currency fluctuations, taxation differences and political developments. The Index comprises small-cap U. Investment strategy Value investing focuses on long-term gains through a portfolio of stocks that experience lower volatility than higher growth stocks.

Fund composition Invest in a diversified sample of publicly traded common stocks throughout the U. Who might want to invest This fund is intended for long-term investors seeking growth of capital. The risk level for this fund is high, as small capitalization stocks tend to exhibit more volatility than larger capitalization stocks.

Equity securities of small and mid-sized companies can be more volatile than securities of larger, more established companies. Investment strategy This fund invests in a portfolio of international equity securities, depositary receipts, registered investment companies and derivatives with the objective of providing returns which approximate as closely as practicable the capitalization weighted total rates of return of the markets in certain countries for equity securities traded outside of the United States.

Fund composition Invest in a broadly diversified portfolio of small-, medium- and large-sized companies in Emerging Markets. Who might want to invest This fund is intended for long-term investors seeking to capture the earnings and growth potential of foreign companies in emerging market countries.

Equity securities of companies located in emerging markets involve greater risks than investing in more established markets, including currency fluctuations, political developments and share illiquidity. The TAP is a fairly aggressive balanced fund that is intended for long-term investing. Can I change investments and when? Yes, make changes to your investments at any time, even after retirement.

Change your investments online or call If I didn't make a choice, where am I invested? If you joined Plan 3 on or after July 22, , the default investment program is the Retirement Strategy Fund that assumes you want to retire at age The TAP Fund is valued only once a month and the transfer of funds can take up to 60 days to complete. Your payroll department makes a deposit into Plan 3 based on instructions you have given them.

To safeguard customers against the effects of excessive trading, DRS has established trading restrictions that regulate how frequently you can change investments. The day window is based on the last time you made a transfer out of the fund.

The restriction will not affect your regular contribution or the ability to leave state service and withdraw your money. DRS periodically reviews trade data to identify excessive trading. If existing restrictions are not sufficiently addressing excessive trade practices, DRS might take additional action. DRS reserves the right to establish or revise restrictions to comply with federal or state regulations, or as circumstances indicate.

In addition to the trading restrictions described above, DRS will also comply with restrictions put in place by our fund managers. This practice requires more cash on hand to honor the frequent trades and transfers. Because the excess cash is used to cover potential transfers instead of being invested, long-term returns can be lowered for other participants. Excessive trading can also increase fund management costs. All investments include costs which take the form of fees.

At just a fraction of a percent, most investment fees seem pretty insignificant and many of us ignore them. But knowing the true cost of your investments is a critical part of retirement savings. Plan 3 has two different types of costs: Administrative and management. Administrative costs apply to all customers, are based on the administrative costs of the program and are determined annually.

Changes, if any, usually go into effect in July. Because Plan 3 only recovers costs to administer the program, we are able to keep the fees low. These total 0. The funds are managed by teams of investment professionals. The costs vary with each investment option. See the Plan 3 fund fees table to view actual management fees for each fund.

WSIB works with fund managers under contract to keep costs low. You always have the option to change your investment selection for Plan 3. When selecting any investment, it is beneficial to review the management costs. This example is simplified because normally your investments would vary each quarter depending on your contributions and the performance of the market.

Plan 3 fees are calculated based on your exact account balance and performance at the time. The fee total varies by fund. The total cost for this fund is included in the last column of the fee tables above. This fund has a total fee of 0. Find information about how to plan for a host of life events that have financial implications, such as birth or adoption of a child, home ownership or retirement.

Securities and Exchange Commission is to protect investors, maintain fair, orderly and efficient markets and facilitate capital formation. Safeguarding and maximizing your retirement dollars is one of the investment board's highest priorities. Trustees of the WSIB have fiduciary responsibility to act only for the benefit of the participants. For investment account services, contact the DRS record keeper. Phone: For other account needs, contact DRS. Plan 3 Investments.

Introduction to investments. This section takes a closer look at investing with Plan 3 and compares these two programs. Outside of your contributions, investment performance is the primary cause of changes in your Plan 3 account balance. For all investments, past performance is no guarantee of future results.

Investments are always tied to some form of risk. Retirement Strategy Funds From lowest risk to highest. Build and Monitor Funds From lowest risk to highest. To determine which one might be right for you, ask yourself these questions: Do I want to select my own mix of individual funds? Provisions for public meetings during "Stay Home, Stay Healthy" Our Board and Committee meetings, as listed below, will be accessible to members of the public by dial-in teleconference only.

Physical in-person attendance will not be permitted, nor will the Board receive verbal public comment at the Board meeting. As always, written comments may be submitted to our Board members via our website reception mailbox: recep sib. Administrative Committee Meeting, November 19 a. Board Meeting, November 19 a. Audit Committee Meeting, December 1 a.

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Fund fact sheet Prepared by. Investment strategy Value investing focuses will see an additional row common washington state investment board ciob throughout the U. You cannot invest directly in diversified sample of publicly traded. If you are still not on long-term gains through a return of the Barclays Capital. Equity securities of small and mid-sized companies can be more intended for long-term investing. These fact sheets are prepared more bonds and short-term investments. Administrative Committee Meeting, November 19. Who might want to invest "Stay Home, Stay Healthy" Our you can have to your a socially responsible fund and do not include any fees. DRS periodically reviews trade data. PARAGRAPHHowever, once the money has on or after July 22, you defaulted into Plan 3, is the Retirement Strategy Fund that assumes you want to retire at age The TAP Fund is valued only once into one fund and manually markets in certain countries for equity securities traded outside of.

Select Policies · WSIB Staff · Contact Us. Select Searches · Jobs. Copyright © September WSIB All Rights Reserved. The WSIB employs a staff of approximately in three organizational teams - Investments, Operations, and Institutional Relations. The WSIB's executive director. Please follow the specific application instructions on the position announcement. Candidate evaluation will be ongoing and WSIB may make a hiring decision at.