Participants


The goal of index investing is to enable plan sponsors to implement retirement portfolios with appropriate risk exposures to match risk capacity. As such, index investing may be a sound way to uphold the fiduciary standard and help participants achieve their retirement objectives. This concept is articulated in the Uniform Prudent Investor Act ("UPIA"), adopted in 1992 by the American Law Institute's Third Restatement of the Law of Trusts. IFA's index investing strategy may help plan sponsors fulfill the requirements set forth in the UPIA.

The larger the capacity for risk, the greater the expected returns. Expected returns are explained by Risk Capacity because capacity is directly linked to proper risk exposure, also referred to as asset allocation or investment policy. What’s your Risk Capacity? Find out right now when you take the simple 5-minute survey. It will lead you to one of the 10 IFA Index Portfolios IFA has built for 401(k) plans.

IFA's Index Portfolios employ the use of 15 unique IFA Indexes to accomplish the important goal of risk-appropriate global diversification. Higher-risk Index Portfolios are comprised primarily of equities, while lower numbered Index Portfolios have higher percentage allocations to fixed income. Investors buy, hold and rebalance these Index Portfolios, with the goal to achieve global diversification and risk-appropriate allocations in up to 12,000 securities in as many as 40 different countries. These investments provide transparency and a cost-effective, risk-appropriate way to invest for retirement.