Within your retirement plan, EIP offers professionally managed portfolios that you can choose from. Because the numerous investment options, you may feel unprepared or uncomfortable managing your own investments. Our advisory services provide a simplified process that allows you to choose a portfolio within your plan based upon your risk tolerance or age, which will automatically create a diversified portfolio on your behalf.
BRIDGE PORTFOLIOS
Powerful Investment Solution For Long Term Success
INVESTING WITHIN A BRIDGE PORTFOLIO
Investing in a Bridge Portfolio is simple. Portfolios are created by using a risk tolerance score or by a participants age. We will automatically update & monitor the Bridge Portfolio on the behalf of the participants invested in them.
Create long term success with a
diversified portfolio
Why a Bridge Portfolio may be right for you
Studies have routinely shown average investors lack the discipline, objectivity, expertise and patience to effectively and efficiently manage their retirement portfolios. As markets go through their customary ups and downs, investor psychology begins to compromise their long-term objective of accumulating retirement assets. These market cycles tend to create emotions ranging from euphoria to complete panic. These emotional highs and lows have historically contributed to a substantial under-performance relative to a broad-market stock index.
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The graph illustrates how the average investor performed between 199 to 2016. As you can witness, average investors performed significantly less compared to other market indicators.
Our managed portfolio helps to minimize common investment mistakes and provides the support that many participant need to accomplish their long term retirement goals.7
Avg. Investor = 2.29% vs Stocks = 7.68%
Which Bridge Portfolio is best for you?
Age-based Bridge Portfolio
Participants who enroll online are automatically recommended to invest in a Bridge portfolio that matches risk characteristics of someone their age. Our system will then automatically move them from one model to the next as they age.
Risk-based Bridge Portfolio
Participants that are unsure how much risk they can handle will be able to take a five question risk questionnaire. Depending upon those answers, the online enrollment system will recommend one of seven Bridge Portfolios that meets those risk characteristics.
Self-directed Bridge Portfolio
Participants that want more or less risk are able to override the recommended age-based Bridge Portfolio. They can review the risk characteristics of each Bridge Portfolio and select the one they believe fits their investments needs.
1
Bridge One portfolio is an aggressive investment strategy suitable for those who desire to emphasize capital appreciation while accepting a higher level of risk and volatility.
2
Bridge Two portfolio is an investment strategy suitable for those who desire a high degree of capital appreciation by means of equity mutual funds – both domestic and international.
3
Bridge Three portfolio is an investment strategy suitable for those who desire a balance between investments aimed at achieving capital appreciation and those seeking income.
4
Bridge Four portfolio is an investment strategy suitable for those who desire long-term growth through capital appreciation along with a substantial investment in fixed income mutual fund investments to help decrease the level of volatility.
5
Bridge Five portfolio is an investment strategy suitable for those who desire current income with a small potential for growth from capital appreciation.
6
Bridge Six portfolio is an investment strategy suitable for those who desire current income in exchange for a very low anticipated degree of volatility.
7
Bridge Seven portfolio is an investment strategy suitable for those who desire to maintain the portfolio’s principal.
Additional Information on Portfolios
Bridge Portfolio One Summary
Bridge One portfolio is an aggressive investment strategy suitable for those who desire to emphasize capital appreciation while accepting a higher level of risk and volatility. It is typical for individuals under age thirty to invest in Bridge One. The portfolio is predominately comprised of equity mutual fund investments – both domestic and international – with a small percentage of the portfolio allocated to fixed income mutual fund investments. Typical financial situation is (1) comfortable with investment and market volatility (2) no foreseeable withdraws.
Time Horizon
± 35 years till retirement
Typical Age Group
Under age 30
Risk Tolerance
Aggressive
Asset Allocation
± 90% equities / 10% fixed income
Investment Strategy
Capital Growth
Bridge Portfolio Two Summary
Bridge Two portfolio is an investment strategy suitable for those who desire a high degree of capital appreciation by means of equity mutual funds – both domestic and international. It is typical for individuals between the ages of 30-38 to invest in Bridge Two. A high degree of volatility is still expected despite an increase in fixed income investments from Bridge One.Typical financial situation includes (1) low likelihood of withdrawal (2) growing account balance (3) stable employment income.
Time Horizon
± 30 years till retirement
Typical Age Group
Age 30 to 38
Risk Tolerance
Moderately Aggressive
Asset Allocation
± 80% equities / 20% fixed income
Investment Strategy
Capital Growth
Bridge Portfolio Three Summary
Bridge Three portfolio is an investment strategy suitable for those who desire a balance between investments aimed at achieving capital appreciation and those seeking income. It is typical for individuals between the ages of 39 to 46 to invest in Bridge Three. The portfolio is comprised of approximately 70% equity mutual fund investments and 30% fixed income mutual funds. Typical financial situation includes (1) steady employment (2) emergency fund established (3) paying off outstanding debt.
Time Horizon
± 25 years till retirement
Typical Age Group
Age 39 to 46
Risk Tolerance
Moderate
Asset Allocation
± 70% equities / 30% fixed income
Investment Strategy
Growth & Income
Bridge Portfolio Four Summary
Bridge Four portfolio is an investment strategy suitable for those who desire long-term growth through capital appreciation along with a substantial investment in fixed income mutual fund investments to help decrease the level of volatility. It is typical for individuals between the ages of 47 to 53 to invest in Bridge Four. The portfolio is predominately allocated to fixed income investments, although a high percentage of equity mutual funds remain. Typical financial situation includes (1) rising retirement account balance (2) low debt (3) maximum contribution rate.
Time Horizon
± 15 years till retirement
Typical Age Group
Age 47 to 53
Risk Tolerance
Moderately Conservative
Asset Allocation
± 60% equities / 40% fixed income
Investment Strategy
Growth & Income
Bridge Portfolio Five Summary
Bridge Five portfolio is an investment strategy suitable for those who desire current income with a small potential for growth from capital appreciation. It is typical for individuals between the ages of 54 to 59 to invest in Bridge Five. Since the primary concern is current income, the allocation to fixed income mutual fund investments is emphasized. Typical financial situation includes(1) increased likelihood of withdrawal (2) large retirement savings.
Time Horizon
± 10 years till retirement
Typical Age Group
Age 54 to 59
Risk Tolerance
Conservative
Asset Allocation
± 50% equities / 50% fixed income
Investment Strategy
Balanced
Bridge Portfolio Six Summary
Bridge Six portfolio is an investment strategy suitable for those who desire current income in exchange for a very low anticipated degree of volatility. It is typical for individuals between the ages of 60 to 64 to invest in Bridge Six. Although a small percentage of the portfolio is invested in equity mutual funds, the majority remains in fixed income mutual fund investments. Typical financial situation includes (1) low to zero debt (2) preparing for retirement (3) may soon start to withdrawing.
Time Horizon
± 5 years till retirement
Typical Age Group
Age 60 to 64
Risk Tolerance
Very Conservative
Asset Allocation
± 40% equities / 60% fixed income
Investment Strategy
Balanced
Bridge Portfolio Seven Summary
Bridge Seven portfolio is an investment strategy suitable for those who desire to maintain the portfolio’s principal. Although a risk of loss of principal remains, predominate investment in fixed income mutual funds historically has helped to create a less volatile portfolio. It is typical for individuals above the age of 65 to invest in Bridge Seven. A limited exposure to equity mutual fund investments exists, however the small percentage substantially reduces the portfolio’s expected volatility. Typical financial situation includes (1) high likelihood of withdrawal (2) retirement ready (3) looking forward to retirement.
Time Horizon
Less than 5 years till retirement
Typical Age Group
Over age 65
Risk Tolerance
Preservation
Asset Allocation
± 30% equities / 70% fixed income
Investment Strategy
Current Income
