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POLICE PENSION BOARD OF TRUSTEES
Tuesday, July 10, 2018
2:30 PM
Municipal Center - 333 South Green Street
Aldermen's Conference Room
AGENDA
Call to Order
Roll Call
Public Input (5-minutes)
Meeting Minutes:
a) Motion to approve the January 2, 2018 meeting minutes.
b) Motion to approve the April 24, 2018 meeting minutes.
New Business:
a) Call for Nominations and Motion to approve Annual Election of Board Officers.
b) Motion to approve the 2018/19 Police Pension Board of Trustees Meeting
Schedule.
cj Motion to approve Officers Peter Mader and Luis Pena's Applications for
Participation in the Police Pension Fund
d) Corporate Bond Acquisition and Sale Policy
Report of Investments and Accounts:
h
a) Motion to approve te Treasurer Report.
b) Fixed Assets Investment Report.
c) Equities Investment Report.
Unfinished Business:
a) Motion to approve the payment of bills.
b) Public Pension Trustee Training Update.
Additional Items for Discussion
98 Motion to Adjourn
Police Pension Board of Trustees
January 2, 2018, 2:30 PM
1. Call to Order. A meeting of the City of McHenry Police Pension Board of Trustees was called
to order at 2:30 PM in the McHenry City Council Chambers, 333 S. Green Street., McHenry,
IL.
2. Roll Call: President Jeffrey Foerster, Jon Meyer, Ormel Prust, Marc Fisher and Nick Clesen.
Others present: Jim Schmidt, LPL Financial; Gary Karshna, Capital Gains, Inc.; City Treasurer
Carolyn Lynch, and recording secretary Marci Geraghty.
3. Public Input
None.
4. Approval of Minutes
O. Prust made a motion, seconded by J. Meyer to approve meeting minutes from October 10,
2017 as presented to hold them for audit.
Ayes: Prust, Meyer, Clesen, Fisher, Foerster
Motion carried
5. Semi -Annual Review of Executive Session Minutes.
There remains no closed Executive Session Minutes.
6. Investment Reports.
a) Motion to approve the Treasurer's Report.
Treasurer Lynch presented the Treasurer's Report for the period ending December 31,
2017. Cash and investments totaled $25,623,030.70 and equities were at 60.60%.
Motion by J. Meyer, second by O. Prust to approve the Treasurer's Report as presented.
Ayes: Meyer, Prust, Clesen, Fisher, Foerster
Motion carried.
b) LPL Financial Equities Report.
Equities Portfolio Performance
December 29, 2017. For the y
Value of the portfolio at the et
investment.
Mr. Jim Schmidt
from LPL Financial presented the
Summary for the period from December 29, 2016 to
;ar, $6,784,420.77 in net dollars were invested; Market
d of 2017 was $15,527,360.20 for a 22.87% return on
President Foerster noted the percentage of equities invested is getting close to the 65%
limit. Mr. Schmidt stated at the end of the fiscal year, the percentage may be no higher
than 65% - the law allows for inadvertent fluctuations throughout the year.
c) Capital Gains Fixed Assets Investment Report: Fixed Assets Manager Gary Karshna
presented the investment report for the period ending November 30, 2017, at which time the
estimated Market Valuation was $9,200,286 and Book Valuation $9,100,4130
The bond portfolio produced a 1.23% rate of return versus .64$ for the bond benchmark
fiscal year to date. Mr. Karshna reported he is using a blended Bond Benchmark using the
Barclays Intermediate Government Bond Index and the Barclays Aggregate Intermediate
Corporate Bond Index. Currently, the portfolio has 58% in corporate bonds and 42% in
government bonds and we can use that ratio to create a blended bond benchmark and adjust
it to reflect accurately the exact holdings in the portfolio each month.
J. Meyer asked Mr. Karshna why the Bloomberg index was not being used. Mr. Karshna
stated that it made more sense to use a blended index. A discussion ensued on the duration
of the portfolio and the benefits of purchasing shorter -duration instruments at this time in
the market.
7. Motion to approve Applications for Participation in the City of McHenry Police Pension Fund
submitted by fficer Katelyq M. Lorenz and Officer Roger J. Hendrickson.
Motion by N. Clesen, second by Fisher to approve the applications to join the McHenry Police
Pension Fund as presented.
Ayes: Clesen, Fisher, Meyer, Prust, Forester
Motion carried.
8. Motion to approve annual pension increases.
M. Fisher made a motion, seconded by N.
presented.
Ayes: Fisher, Clesen, Meyer Prust, Foerster
Motion carried.
9. Unfinished Business:
Clesen to approve annual pension increases as
a) Motion to approve payment of bills as presented.
Motion by J. Meyer, second by N. Clesen to approve payment of the following bills:
IPPFA annual dues for
Lauterbach &Amen Actuarial Services:
Capital Gains:
Ayes: Meyer, Clesen, Prust, Fisher, Foerster
$795
$4,750
$5,000
2
Motion carried.
10. Adjourn.
Motion by O. Prust, second by J. Meyer to adjourn the meeting.
Ayes: Prust, Meyer, Clesen, Fisher, Foerster
Motion carried.
The meeting adjourned at 3:30 PM.
Next meeting: July 10, 2018, 2:30 PM.
Respectfully submitted,
Marci Geraghty, Recording Secretary
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Police Pension Board of Trustees
April 24, 2018, 2:30 PM
Meeting Minute
Call to Order
A meeting of the City of McHenry Police Pension Board of Trustees was called to order at 2:30 pm in the
McHenry City Council Chamber, 333 S. Green Street, McHenry, IL.
Roll call:
President Jeffery Foerster and Sergeant Clesen were the members in attendance. 2-Absent: Vice
President Jon Meyer and Ormel Prust. Others present: Jim Schmidt, LPL Financial; Gary Karshna, Capital
Gains, Inc.; City Treasurer Carolyn Lynch, and recording secretary Debra Meadows. There was no
quorum present.
Public Input
None.
Approval of Minutes
vir.Karsnna shared his comments regarding the minutes. Due to the lack of a quorum there was no
action taken.
Report of Investments and Accounts:
a) Investment Reports
Treasurer Lynch provided the Police Pension Board Members with an overview of the
Treasurer's Report. There was no action taken.
b) Fixed Assets Investment Report
Fixed Assets Manager Gary Karshna provided those present with an update on the investment
reports for the period ending March 31, 2018. There was some discussion on the reports with
no action taken.
c) Equities Investment Report
Mr. Schmidt from LPL Financial presented the Equities Portfolio Performance Summary for the
period of December 29, 2017 to April 23, 2018. There was some discussion on the reports with
no action taken.
d) Semi-annual review of Police Pension Fund Investment Policy
Due to the lack of a quorum there was no discussion on this matter.
Unfinished Business:
a) Motion to approve payment of bills
No action was taken.
New Business
None.
Any additional items for discussion
None.
Motion to adjourn
There being no further public business to discuss, a Motion was made by President Forster and
seconded by Officer Clesen to adiourn from the public meeting at 2:50 pm. Vote:2-ayes by unanimous
voice vote. 0-nays, 0-abstained. Motion carried.
Respectfully submitted,
Debra Meadows, Recording Secretary
®CapiWGains
rncoaP RA'ren
Corporate Bond Acquisition and Sale Policy
Revised July 2, 2018
This Policy only applies to corporate bonds, which have a statutory requirement that they must be sold, within
90 days, if downgraded (below investment grade) by both, of the top two (2), rating agencies. This policy
does not apply to any other fixed income category; US Agency, US Treasury, municipal bonds or certificates
A deposit, which do not have any statutory sale stipulations, triggered by a downgrade in the bond rating.
CORPORATE BOND ACQUISITION POLICY
1) Lone -Term bonds. Corporate Bonds with maturities beyond two (2) years, must have an S&P rating
of AA or higher and/or a Moody's rating of Aa2.
2) Intermediate -Term Bonds. Corporate bonds in the one (1) to two (2) year maturity range, must have
mi a nimum S&P rating of BBB and/or a Moody's rating of Baal.
3) Short -Term Bonds. Corporate bonds with a final maturity date of one (1) year or less, can be acquired
with a BBB- S&P rating and/or a Baa3 Moody's rating. The final maturity dates on these bonds are so
short, they will most likely mature long before a dual ratings downgrade occurs and the subsequent
90 day mandatory sale rule, goes into effect.
CORPORATE BOND SALE POLICY
1) Capture Profits. Corporate bonds owned by the Pension Fund can be sold, to capture a profit, at the
discretion of the Investment Manager. A bond sale to capture profits will be made in instances where
the sale will significantly enhance the investment revenue in the Pension Fund bond portfolio.
2) Preemptive sale. When a long-term or intermediate term corporate bond (final maturity of 1 year or
more) owned by the Pension Fund, is downgraded to the lowest investment grade rating, which is a
BBB- rating by S&P and Baa3 rating by Moody's, Capital Gains Incorporated will sell the bond (if a
positive rate of return can be realized) before it is downgraded to a level below investment grade, to
avoid the huge downslide in pricing of this bond. If a positive rate of return is not available, Capital
Gains Incorporated will notify the Pension Board of these downgrades and discuss the various options
available (hold or disposal) to the Pension Fund regarding the downgraded corporate bond.
3) 90 day Statutory Requirement. Per Illinois Pension Statutes, Corporate Bonds must be sold, within 90
days, if downgraded (below investment grade) by both, of the top two (2), rating agencies. Capital
Gains Incorporated will comply with this statutory requirement, unless instructed by the Pension
Board to do otherwise.
Current Corporate Bond Status: McHenry Police Pension Fund.
At the present time, the McHenry Police Pension Fund only owns two small corporate bond positions, with
maturities beyond two (2) years. Both have excellent bond ratings, positive outlooks and no near -term
possibility of a significant downgrade. The two holdings are listed below:
1) Microsoft, $100,0000 PAR, 84-26 maturity, current S&P rating =AAA
2) Apple, $125,000 PAR, 8-4-46 maturity, current S&P rating AA+