NOTES TO CONSOLIDATED FINANCIAL STATEMENTS liabilities and consist primarily of fixed income securities. Return-Seeking Assets include any asset class not intended to hedge the Plan’s liabilities. At December 31, 2020, these assets included domestic and international equities, private equity (including secondary private equity), real assets, and hedge funds. Additionally, the Plan allows certain of their managers, subject to specific risk constraints, to utilize derivative instruments in order to enhance asset return, reduce volatility or both. Derivatives are primarily employed by the Plans in their fixed income portfolios and in the hedge fund-of-funds area. Derivatives can be used for hedging purposes to reduce risk. No shares of Equifax common stock were directly owned by the Plan at December 31, 2020 or 2019. Not more than 5% of the portfolio (at cost), and 10% of the equity portfolio’s market value, shall be invested in the securities of any one issuer, except the U.S. Government and U.S. Government Agencies. The following asset allocation ranges and actual allocations were in effect as of December 31, 2020 and 2019:  CRIP Investment and Asset Allocation Strategies. The primary goal of the asset allocation strategy of the Plan is to produce a total investment return which will satisfy future annual cash benefit payments to participants and minimize future contributions from the Company. Additionally, this strategy will diversify the plan assets to minimize nonsystemic risk and provide reasonable assurance that no single security or class of security will have a disproportionate impact on the Plan. Due to the high funded status of the Plan, the Investment Committee of the CRIP has adopted a conservative asset allocation and in 2020 further continued to de-risk the Plan by reducing equity exposure. The Investment Committee maintains an investment policy for the CRIP, which imposes certain limitations and restrictions regarding allowable types of investments. The current investment policy imposes those restrictions on investments or transactions such as (1) Equifax common stock or securities, except as might be incidental to any pooled funds which the plan may have, (2) commodities or loans, (3) short sales and the use of margin accounts, (4) put and call options, (5) private placements, and (6) transactions which are “related-party” in nature as specified by the Canadian Pension Benefits Standards Act and its regulations. Equifax Retirement Savings Plans. Equifax sponsors a U.S. tax qualified defined contribution plan, the Equifax Inc. 401(k) Plan, or the Plan. Beginning with the 2019 plan year, we provide a discretionary match of participants’ contributions, up to five or six percent of employees eligible pay depending on certain eligibility rules under the Plan. Prior to the 2019 plan year, we also provided a discretionary direct contribution to certain eligible employees, the percentage of which was based upon an employee’s credited years of service. Company contributions for the Plan during the twelve months ended December 31, 2020, 2019 and 2018 were $31.8 million, $26.9 million and $30.7 million, respectively. Foreign Retirement Plans. We also maintain defined contribution plans for certain employees in Canada and Spain, and meet certain compulsory contribution requirements to retirement funds for employees in Australia, the U.K. and Ireland. For the years ended December 31, 2020, 2019 and 2018, our contributions related to these plans were $13.4 million, $13.9 million, and $14.1 million, respectively. 104 Range Actual CRIP 2020 2019 2020 2019 Public Equities 0% - 40% 25% - 55% 16.3 % 49.1  % Fixed Income 60% - 100% 40% - 60% 75.8 % 50.7  % Money Market 0% - 10% 0% - 10% 7.9 % 0.2  % Alternative Credit 0% - 10% 0% - 20% — % —  % The following specifies the asset allocation ranges and actual allocation as of December 31, 2020 and 2019: Range Actual USRIP 2020 2019 2020 2019 U.S. Equity 0% - 20% 5% - 35% 6.6 % 11.5  % International Equity 0% - 10% 5% - 20% 5.8 % 12.7  % Private Equity 0% - 10% 0% - 10% 1.7 % 2.3  % Hedge Funds 0% - 10% 0% - 10% 2.6 % 6.6  % Real Assets 0% - 10% 0% - 10% 2.8 % 3.4  % Fixed Income 65% - 100% 35% - 65% 76.7 % 61.8  % Cash 0% - 15% 0% - 15% 3.8 % 1.7  %