Legal Notice and Terms of Use

This website is operated by ICMA Retirement Corporation (ICMA-RC) and its wholly-owned subsidiaries, ICMA-RC Services, LLC (RC Services) and Vantagepoint Investment Advisers, LLC (VIA).  When referenced in this Legal Notice and Terms of Use, ICMA-RC refers collectively to ICMA-RC, RC Services and VIA.   Please read this page carefully before proceeding as it explains certain terms and conditions that apply to your use of this website.  ICMA-RC reserves the right to change or modify this Legal Notice and Terms of Use at any time without prior notice to you.  By using this website, you are agreeing to comply with and be bound by the terms and conditions outlined herein.

Institutional Audience

This website is for institutional use only and is not intended for individual investors or the general public.

This site is intended solely for the use of retirement plan professionals, including retirement plan advisers and consultants,  and plan record keepers and plan sponsors in the Defined Contribution Investment Only (DCIO) and institutional separate account investment advice markets.

This site is not intended for ICMA-RC’s plan sponsor recordkeeping clients. If you are a plan sponsor recordkeeping client of ICMA-RC, please leave this website immediately and access your account via the EZ Link system at  If you are a participant in a retirement plan administered by ICMA-RC, please leave this website immediately and access your account via Account Access at  If you are any other employee or individual who is invested in a fund managed by ICMA-RC through a defined contribution plan, please leave this website immediately and direct any inquiries to your employer or the third-party record keeper that administers your retirement plan account.

No Solicitation or Personalized Investment Advice

The information contained on this website is for informational purposes only and is not intended as a solicitation nor does it constitute investment, tax, or legal advice. Reference to any fund or asset class on this site is not a recommendation to buy, sell, or hold that fund or asset class.  Neither ICMA Retirement Corporation (ICMA-RC) nor its subsidiaries are responsible for any investment action taken as a result of the information on this website or interpretation of such information.

Investors should carefully consider their own investment goals, risk tolerance and liquidity needs before making an investment decision. Investing involves risk, including possible loss of the amount invested.  The Funds’ offering and disclosure documents include a complete summary of all fees, expenses, financial highlights, investment objectives and strategies, and risks, and should be carefully reviewed before investing.

Hyperlinks and Third Party Content

This website may contain links to other websites or third-party content. ICMA-RC is not responsible for the content, accuracy or opinions expressed on such other websites, and such websites are not investigated, monitored or checked for accuracy or completeness by ICMA-RC.  Inclusion of any linked website or third-party content on this site does not imply approval or endorsement of the linked website by ICMA-RC. If you decide to leave this site and access these third-party sites, you do so at your own risk.

No Reliance

Information and data on the site is current as of the date presented and may become outdated. ICMA-RC does not assume any duty to update any of the data or information on this site and assumes no liability for, and does not guarantee the timeliness, accuracy or completeness of, the data or information presented. By using this site you are confirming your understanding that ICMA-RC makes no representation that the content of this site is appropriate for use in all locations, or that the securities, products, instruments or services discussed on this site are available or appropriate for sale or use in all jurisdictions or by all investors.  ICMA-RC shall not be liable for any loss or damages resulting from the use of the information contained on this website. Any opinions or views expressed on this website are those of the author(s), are based on available information, and are subject to change without notice.

Vantagepoint Funds

Vantagepoint Funds are collective investment trust funds (CITs) established and maintained by VantageTrust Company, LLC (VTC), a wholly owned subsidiary of ICMA-RC, a New Hampshire non-depository trust company, and the sole trustee of these CITs.  Eligible retirement plans may invest in the Vantagepoint Funds.  ICMA-RC’s wholly-owned subsidiary, Vantagepoint Investment Advisers, LLC (VIA), is an SEC registered investment adviser that provides investment advisory and management services to VTC with respect to the Vantagepoint Funds.  Certain Vantagepoint Funds invest in other funds managed and administered by ICMA-RC and VIA. ICMA-RC receives asset-based fees from such underlying funds in addition to the asset-based fees it receives from the Vantagepoint Funds. Please see VIA’s Form ADV, available at, for more information.