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NOTICE: UPAL Retirement Program Information

A few changes have been made to 3 of the 4 UPAL Pooled Fund Models in the UPAL Retirement Plan Program as indicated below.  These changes are recommended by the investment advisors of BOK Financial.

  • No changes will occur in the Fixed Income Model Allocation.
  • Conservative Model Allocation – Reduce the allocation to the UPAL Large Cap Growth Fund by 1%, reduce the allocation to the UPAL Mid Cap Fund by 1%, reduce the allocation to the UPAL International Fund by 1%, reduce the allocation to the UPAL Alternative Investment Fund by 2%, increase the allocation to the UPAL Money Market Fund by 2%, increase the allocation to the UPAL Short Term Fixed Income Fund by 1% and increase the allocation to the UPAL Core Bond Fund by 2%.
  • Balanced Model Allocation – Reduce the allocation to the UPAL Large Cap Growth by 1%, reduce the allocation to the UPAL Large Cap Value Fund by 2%, reduce the allocation to the UPAL Mid Cap Fund by 1%, reduce the allocation to the UPAL Small Cap Fund by 2%, reduce the allocation to the UPAL International Fund by 2%, reduce the allocation to the UPAL Alternative Investment Fund by 2%, increase the allocation to the UPAL Money Market Fund by 2%, increase the allocation to the UPAL Short Term Fixed Income Fund by 1%, and increase the allocation to the UPAL Core Bond Fund by 7%.
  • Aggressive Model Allocation – Reduce the allocation to the UPAL Large Cap Growth by 1%, reduce the allocation to the UPAL Large Cap Value Fund by 1%, reduce the allocation to the UPAL S&P 500 Index Fund by 1%, reduce the allocation to the UPAL Mid Cap Fund by 1%, reduce the allocation to the UPAL Small Cap Fund by 1%, reduce the allocation to the UPAL International Fund by 3%, reduce the allocation to the UPAL Alternative Investment Fund by 1%, increase the allocation to the UPAL Money Market Fund by 2%, increase the allocation to the UPAL Short Term Fixed Income Fund by 1%, and increase the allocation to the UPAL Core Bond Fund by 6%.

The advisors feel the lack of impetus for global growth and the pending first rate increase in nearly a decade could continue to spark volatility in the near term.  As a result, they are recommending a reduction in risk assets.

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