An investment approach built just for retirees.

Prepare a Plan
Our approach is designed to support asset growth and smart
spending for a fulfilling retirement.

the right strategy for your goals

As a retiree, your financial goals are significantly different than those of working adults – wealth accumulation is only half of the picture. You need to manage growth and spending, because you want your savings to provide for a fulfilling, lasting retirement. We believe that current investment strategies don’t adequately address this need, which is why we developed a methodology just for retirees. With True Link, you don’t have to worry that someone else’s investment product is being adapted to suit your situation.

OUR INVESTMENT METHODOLOGY

True Link’s investment methodology combines five pillars of smart investing into one holistic approach. While each pillar exists as a stand-alone best practice, we believe that a unified theory offers retirees a more effective, robust solution to generating income later in life. 

The five pillars of approach

Time based allocations

Any investment professional will tell you that money needed tomorrow should be invested differently than money needed in twenty years. Our technology-enabled planning tools create distinct investment allocations for specific periods of time over the course of your retirement. This fine-grained approach to investing has long been available to high-net worth individuals; our tools make it available to all retirees.

Investments and annuities

Depending on your income goals and assets, an annuity, which provides guaranteed future income for an upfront payment, might make sense for you. When appropriate, we include annuities as an option in your plan, alongside investment vehicles like funds of stocks and bonds. True Link Advisors implement a holistic plan and, for some retirees, annuities can be an important component.

Modern portfolio theory

We apply Modern Portfolio Theory to determine asset class combinations and to create an efficient, holistic portfolio that is designed to avoid risk beyond what is inherent in the market. Modern Portfolio Theory is a quantitative approach to investing that seeks to maximize expected performance at a given level of risk.

Bond ladders help avoid loss

A bond ladder takes your income needs and buys bonds or bond funds, which are a collection of bonds designed to provide diversification and reduce risk, with maturity dates that roughly match when you’ll need the money. Insurance companies and other big enterprises use bond ladders to earn a return on money they’re not using but to have it available when they need it. With True Link, everyday retirees can take advantage of this same tool, earning a return on funds you won’t need for some time, yet not subjecting yourself to extra risk from market conditions or interest rate changes.

Personalized to your needs

We use your information – from health, age, and gender to spending needs and assets – to produce a plan that is personalized for you. In executing this plan, our advisors factor in more unique information to customize your plan further, including tax status of accounts, current portfolio, and family situation. You have unique needs and you should have a unique financial plan. Our technology tools and caring advisors work in concert to build and implement that plan for you.

Interested in learning more about our approach?
Check out our FAQs page for details on Modern Portfolio Theory, annuities, bond ladders, and more.
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Prepare a plan

Want to see our methodology in action? Use our online tool to create an investment plan for your retirement today.

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