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Retirement Savings Account  

Your benefit in the Fund is referred to as your Retirement Savings Account.  This is made up of:

  1. The sum of the "employer’s" contributions towards retirement savings - plus
  2. Any additional voluntary contributions (if applicable) - plus
  3. Any amount transferred into this Fund on your behalf from a previous fund you belonged to - plus
  4. Any discretionary amounts allocated by the Trustees arising from cost savings - plus
  5. Investment returns earned on your total savings, which may be positive or negative depending on the investment performance.

Your other benefits in the Fund are: