Our Services > Investment Accounts

Investment Accounts

We believe that non-employer investment accounts provide the best opportunity to experience all the benefits that I-Pension offers. That's because our portfolio models can be populated from the full universe of investment options, rather than being limited to the mutual funds offered in a given company plan.

The biggest difference in portfolio construction within investment accounts is a greater reliance on low-cost index funds and exchange traded funds (ETFs). We do this for two reasons:

  • It's very rare that portfolio managers of actively managed funds can consistently beat the benchmarked index.
  • Many larger mutual funds look very much like their index counterparts. Despite that, you as the investor pay a premium for active management -- oftentimes, a full 1.0% more in annual expenses. The cost would be fine if the performance warranted it. We don't believe it does.

Portfolio management of investment accounts can differ dramatically depending on the client's goals. While we still use the five investment models, a client who is looking to withdraw income on a regular basis will hold different assets than one who is still accumulating a nest egg.

Make the Most of Your Investments

You work hard for your money and try to save as much as you can after rent or mortgage payments, car loans, college tuition and "incidentals" like food, clothing, and entertainment.

Once saved, you need your money to work just as hard for you. That's where I-Pension can help. Your I-Pension advisor can design, implement, and monitor an investing strategy that fits your needs today and can grow with you as your needs change. It's a simple and affordable approach to money management.

How I-Pension Works With You

Our approach is simple, flexible, and personal.

  • Simple: We'll ask you to complete an Investor Profile. This will help us to better understand your attitudes toward risk, your time horizon, and your overall financial picture.
  • Flexible: Our asset allocation models run the gamut from very conservative to highly aggressive. Based on your Investor Profile, we'll agree on which model is most appropriate for you. The asset allocation model will be continually monitored and adjusted as needed.
  • Personal: You will have a dedicated investment consultant to work with from start to finish. You can call whenever you want and always speak to the same person. And if we don't hear from you, we'll call on a regular basis to update you on your portfolio and answer any questions.

It's our version of the Golden Rule: we work with clients the way we would want our own advisors to work with us.

Costs / Fees

Our management fee for investment accounts is 1.0% annually. The prorated fee is paid quarterly, based on account assets at the end of each quarter. Click here to see our full fee schedule.

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