Goal-Based Enrollment   //   Advisor Managed Accounts   //   Retirement Income   //   IRA Rollovers   //   Participant Engagement  //  Plan Success Reporting   //   Education and Wellness

Goal-Based Enrollment   //   Advisor Managed Accounts   //   Retirement Income   //   IRA Rollovers   //   Participant Engagement  //  Plan Success Reporting   //   Education and Wellness

Goal-Based Enrollment   //   Advisor Managed Accounts   //   Retirement Income   //   IRA Rollovers   //   Participant Engagement  //  Plan Success Reporting   //   Education and Wellness

iJoin

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iJoin

We’re changing how the world looks at Managed Account Programs

At the discretion of the retirement plan advisor and plan sponsor, iJoin’s Managed Account Program (MAP) can be implemented as the plan’s Qualified Default Investment Alternative (QDIA). This will provide ERISA 3(38) fiduciary protection to both the plan and participants.

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In retirement income planning, goals matter.

iJoin MAP leverages Liability Driven Investment (LDI) principles to determine the user’s retirement income needs, and to align investments to meet those needs.

LDI methodology has been used for decades to determine adequate funding for defined benefit plans. It’s the methodology behind iJoin’s goal-based enrollment experience — which considers income, savings, outside assets, location, age and many other factors in determining the retirement income needed for each person.

We’re making the power of LDI available to individual plan participants in an automated, yet personalized way.

We believe many QDIAs fundamentally fall short.

In retirement plans, many QDIAs rely on target date funds. While diversified, those are oriented to balance risk and return based on one single data point — a person’s desired retirement age. While QDIAs can be productive, they really aren’t designed to optimize an individual saver’s unique path to retirement.

We believe QDIA offerings that don’t even attempt to estimate and fund a saver’s actual, personal retirement need fundamentally fall short.

The goal matters.

iJoin MAP tools account for individual savings needs.

iJoin MAP produces a personalized, retirement-funding goal for each saver. It accounts for each individual’s age, savings, income, and dozens of additional data points and aligns an investment recommendation to fund their goal.

Plus, iJoin periodically reports on each saver’s progress, suggesting ways they could get back on track to meeting their savings goals if they’re falling short.

This closes the gap for savers that other QDIAs leave behind.

iJoin MAP equips savers with knowledge about what it will take to reach their retirement income goals, and the options to act on that knowledge. For the many savers in your plan who may be falling short of their goal simply because they don’t have the tools to catch up, this helps to close the gap on savings success.

Closing that gap for individual savers  improves the plan’s success overall, and also lends a helping hand to those who need it most.

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iJoin MAP can help you deliver a new quality of experience.

Let’s talk.

Request a Demo