Can a credit union access the invested principal or investment gains during the course of the program?
The credit union has access to both its principal and investment gains throughout the length of the program. Typically, decisions are made at the beginning of the program regarding plans to invade the principal and/or investment returns. This allows for more accurate actuarial analysis and leads to better investment decisions regarding appropriate funding vehicles and investment amounts. It is anticipated that the credit union will want to utilize some of its assets to pay for its underlying benefit programs. If this goal is addressed at the beginning of the program, optimum program decisions will be made.
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