About

RetirementFairness.com is managed by Great Gray Group, LLC. Great Gray Group owns Great Gray Trust Company, LLC, a leading provider of collective investment trusts (CITs). RetirementFairness.com was built to be an educational resource to describe the benefits of CITs and showcase widespread support for legislation that would level the playing field for America’s non-profit workers and allow them the same access to CITs that private sector workers have.

CIT are not mutual funds as CITs and their units are exempt from registration under the Investment Company Act of 1940 and the Securities Act of 1933, respectively. 

Investments in CITs are not bank deposits or obligations of, and are not insured or guaranteed by, Great Gray Trust Company, LLC, any bank, the FDIC, the Federal Reserve, or any other governmental agency. CITs are commingled investment vehicles, and as such, the values of the underlying investments will rise and fall according to market activity; it is possible to lose money by investing in CITs.

Participation in CITs is limited primarily to qualified retirement plans and certain state or local government plans and is not available to IRAs, non-governmental health and welfare plans and, in certain cases, Keogh (H.R. 10) plans. CITs may be suitable investments for plan fiduciaries seeking to construct a well-diversified retirement savings program. Investors should consider the investment objectives, risks, charges, and expenses of any pooled investment fund carefully before investing.