The Retirement Ally Models are designed to provide a globally-diversified core portfolio allocation with active insight, by using a disciplined approach to risk management that aligns with your specific risk profile. The models are cost-effective allocations utilizing exchange traded funds (ETFs) and actively managed mutual funds. The models range from an investor who is seeking modest growth with minimal volatility up to an investor who is seeking to maximize long-term growth and is willing to accept high volatility.
What types of accounts can I use in Retirement Ally?
• Individual accounts
• Joint accounts
• Trust accounts
• IRA or Roth accounts
• SEP accounts
What are the steps to open a Retirement Ally account?
You will receive specific hypothetical performance over the past 15 years after you have selected your portfolio. (Performance Calculator)
How much does it cost?
The annual advisory fee is .40% charged monthly. The fee is based on the account balance at the end of every month and the number of days in the month. The fee paid may differ by month (i.e. January has 31 days and February only has 28 or 29 days which could lead to the billing for February being less than January depending on account value). The ETFs or mutual funds in your portfolio have annual internal expenses. We look to use investments with low expenses so we can maintain a low combined internal expense.
How will the fees be paid?
There will be a 2% allocation to cash in every account that will be rebalanced as trades are placed. The cash position will be used to pay the .40% annual fee.
Is there a minimum to open or maintain an account?
Yes, the minimum to open an account is $5,000. There is a minimum of $4,000 to maintain an account.
What investments are being used?
ETFs and mutual funds.
Is my money accessible?
Your account is accessible at any time. It can be liquidated daily and the proceeds sent to you after 3 business days via regular mail. If you have a qualified account there could be penalties or tax consequences for withdrawing money.
What are the risks?
Investing carries risk. Over time your account value will fluctuate and may be worth more or less than your original investment. You can expect fluctuations in your account value that are in line with the risk tolerance you provided when answering our questions. Please be aware that investing for short periods will make losses more likely.