Indexed Perpetual Portfolios
Time and time again, most traditional mutual fund retirement investments fail to beat their benchmarks over the long-term.¹ Indexed Perpetual Portfolios (IP²) revolutionizes 401(k) retirement plan investing by embracing the efficient market hypothesis and focusing on disciplined asset allocation based on age.
- Evolving low fee INDEXED investment allocations that emphasize low-cost total market exposure and…
- PERPETUAL age-based strategies with maximum risk/return efficiencies to…
- Provide innovative managed account retirement plan PORTFOLIOS.
401(k) PLAN CRISIS
Employers are being sued for mismanaged 401(k) plans; will you be next?
Retirement plans are being sued more frequently than ever before. If you’re not providing participants with the lowest cost investment options, you could be at risk. Your focus is on running your business. Chernoff Diamond’s Retirement Plan Services can help:
- Minimize Your Fiduciary Liability;
- Lower Plan Fees;
- Encourage Employee Participation;
- And Improve Retirement Investment Outcomes
THE MUTUAL FUND VS. INDEX FUND PERFORMANCE QUANDARY AND THE IP² SOLUTION
Data compiled in 2015 demonstrated that the average asset-weighted expense ratio for actively managed funds was 0.78%2 Alternatively, a well-constructed portfolio of index funds with an average expense ratio of only 0.08% would result in striking cost-savings compounded over time.
Chernoff Diamond’s 401(k) IP2 investment approach is innovative in its simplicity to lower fees and improve performance through indexed mutual fund-based managed accounts. Most traditional types of 401(k) plans have investment strategies based on target-date mutual funds that are costly for employers and their employees. IP2 managed accounts from Chernoff Diamond fiduciaries use the least expensive and best index funds for retirement planning to help participants meet their retirement savings goals and build more savings over time.
To learn more about Chernoff Diamond’s IP2 — a revolutionary and customizable retirement investment approach to index fund-based managed account portfolios — contact one of our Advisor Representatives or Retirement Plan Consultants today at 401k@ChernoffDiamond.com.
Chernoff Diamond invites you to click on the links below to view our educational video series. You will learn just how IP2 has revolutionized retirement investing with Indexed Perpetual Portfolios — to lower fees and improve performance through indexed mutual fund-based managed accounts.
This information is intended for educational purposes only and should not be construed as an offer to buy or sell any product or strategy. You should contact your Financial Advisor with questions regarding your individual circumstance.
Soe, Aye M., CFA. “SPIVA® U.S. Scorecard – S&P Dow Jones Indices.” US.spindices.com
https://us.spindices.com/documents/spiva/spiva-us-yearend-2015.pdf (accessed April 3, 2017)
Oey and West. (2016). Morningstar®. Average Fund Costs Continued to Decline in 2015: But Investors Are Not Necessarily Paying Less. p. 2