The CWA Savings and Retirement Trust is a Taft-Hartley, multi-employer savings plan.  Depending upon the agreement bargained with your employer, the plan allows you to save money on a pre-tax basis and invest it among a broad array of mutual funds.  The plan features 19 different mutual funds and 4 pre-allocated lifestyle portfolios. You have 24-hour telephone access to your funds as well as a fully functioning Internet Web site, that features account management as well as educational tools.