# City of St. Cloud Police and Fire Retirement Plan

City of St. Cloud Police and Fire Retirement Plan is a Pension Fund based in St. Cloud, United States.

## Overview

- **Organization type:** Pension Fund
- **Headquarters:** St. Cloud, United States
- **Region:** North America
- **Address:** St. Cloud, FL, United States
- **Assets under management:** Undisclosed
- **Website:** www.stcloud.org
- **LinkedIn:** https://www.linkedin.com/company/cityofstcloudfl

## Regulatory record

- **Reports private funds:** No

## About

The City of St. Cloud Police and Fire Retirement Plan, sponsored by the municipality of St. Cloud, Florida, provides retirement, disability, and death benefits to the city's police officers and firefighters. The plan is governed by a five-member Board of Trustees and operates as a single-employer defined benefit pension fund. Membership dynamics are affected by employee transitions involving local entities such as the Tohopekaliga Water Authority (TOHO), which shares personnel pathways with city public safety departments. The plan's investment strategy reflects a concentrated bet on alternative assets. A known portfolio holding is an interest in the Intercontinental U.S. Real Estate Investment Fund, managed by American Core Realty Fund and classified as a mixed-use real estate vehicle. Beyond real estate, the fund has allocated to distressed debt strategies, according to Altss research. This combination of niche credit and direct property investments departs from the core fixed-income and large-cap equity orientation typical of small municipal pension plans. The geographic focus of disclosed investments is the United States. The plan's trustees participate in the Florida Public Pension Trustees Association (FPPTA), engaging in educational conferences and certification programs. This affiliation connects the St. Cloud fund to broader governance and fiduciary training networks within Florida's public pension ecosystem. Operating under the municipal umbrella of the City of St. Cloud, the plan does not maintain a separate professional investment staff, relying instead on trustee oversight and external manager relationships for portfolio construction. The structural distinction of the St. Cloud Police and Fire Retirement Plan lies in its high-conviction alternative allocation for a sub-$100 million municipal fund. Its reported exposures skip public market funds almost entirely, concentrating instead on direct real estate funds and distressed debt — a posture that demands rigorous liquidity management and trustee-level sophistication given the plan's ongoing benefit disbursement obligations.

## Sectors

- Real Estate
- Private Credit

## Questions

### What is the plan's investment strategy?

The plan allocates heavily to alternative assets for a fund of its size. Known positions include an interest in the Intercontinental U.S. Real Estate Investment Fund managed by American Core Realty Fund, a mixed-use vehicle. The fund has also accessed distressed debt strategies, as identified by Altss research.

### Who are the members of the plan?

The plan covers sworn police officers and firefighters employed by the City of St. Cloud, Florida, providing them with retirement, disability, and death benefits. Membership can be affected by personnel transitions involving nearby public entities, including the Tohopekaliga Water Authority (TOHO), where city safety employees sometimes continue their service.

### How large is the plan's asset base?

The City of St. Cloud Police and Fire Retirement Plan does not publicly disclose its assets under management. Altss estimates the plan's portfolio at approximately $66 million based on available investment data and comparable municipal pension filings.

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Last updated: 2026-06-03T20:00:00.000Z

Canonical page: https://altss.com/profile/city-of-st-cloud-florida

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