Investments

Interested in how plan contributions are invested? Get more information here.

Managed for You

SCSFA partners with CCM Investment Advisers to manage the investments in the South Carolina State Firefighters’ Association Retirement Plan and Trust & Length of Service Award Program (LOSAP). Visit CCM Investment Advisers for more information.

All contributions will be invested in one of the following portfolios:

 
 

Aggressive Portfolio

This balanced approach is designed to generate returns significantly in excess of the rate of inflation over the longer term, but will conversely incur substantial short term risk to invested capital. Investment performance should be judged over a three to five year time horizon versus a typical balanced (60% stocks/40% bonds) portfolio.

Moderate Risk Portfolio

This balanced approach is designed to generate returns significantly in excess of the rate of inflation over the longer term, but will conversely incur substantial short term risk to invested capital. Investment performance should be judged over a three- to five-year time horizon versus a typical conservative balanced (50% stocks/50% bonds) portfolio.
 

Conservative Portfolio

This portfolio is designed to generate stabilized rates of return on an annualized basis with low risk to invested capital. Time horizon is three to five years. Investment performance should be judged over a three- to five-year time horizon versus very conservative balanced (20% stocks/80% bonds) portfolio.

Short Term Bond Portfolio

This portfolio is only available to members age 55+ who have made a one-time irrevocable election to transfer into it from another portfolio. An investment grade fixed income portfolio with limited risk. This portfolio is appropriate for participants anticipating withdrawal of their funds within the next two to three years.

Investment Options

CCM Short Term Bond CCM Conservative CCM Moderate Risk CCM Aggressive
Low Risk More Risk
Equity % 0% 0 - 40% 30 - 70% 40 - 80%
Bond % 80 - 100% 60 - 100% 30 - 70% 20 - 60%
Cash % 0 - 20% 0 - 40% 0 - 40% 0 - 40%

Get a handle on your finances