The Retirement Plan Pilot is an objective, rule-based trend following strategy that changes exposure based on 3 indicators. Your allocation will be determined by our time frame and risk tolerance questionnaire. Also included in the Retirement Plan Pilot is our alert system AssetLock® Personal. The alert system will trigger and alert you and your advisor when new highs are achieved as well as when caution is indicated. The guide will also direct you quarterly to the best equity positions to use in your portfolio. Overweighting the equity position with the greatest potential for growth.
Equity Indicator: 100% Benchmark Index 100% Equity Allocation for your portfolio
When the Benchmark Total Return index closes above its 200-day simple moving average (200d SMA) for five consecutive business days, the exposure of the Retirement Plan Pilot be 100% the benchmark index. From the equity position, the index will change to the 50/50 position or the safe value or Money market position depending on the 50/50 indicator and T-Bill indicator.
Price Signal – 50/50 Indicator: 50% Equity Fund/50% Safe value or Money market
When the benchmark total return index closes below its 200-day SMA for five consecutive business days, the exposure of the index will be 50% to the benchmark index and 50% to Safe value or Money market. From the 50/50 position, the Retirement Plan Pilot will return to the equity position or change to the Safe value or Money market depending on the equity indicator or T-Bill indicator.
Trend Signal – T Bill Indicator: 100% Safe value or Money market
When the benchmark total return index’s 200-day SMA closes lower than its value from five business days earlier, the exposure of the Retirement Plan Pilot will be 100% to Safe value or Money market. From the Safe value or Money market fund, the index will change to the equity position when the equity indicator is triggered. The index will not return to the 50/50 position unless the equity indicator is first triggered.
Portfolios available are Conservative, Balanced, Moderate Growth, and Growth.
Watch this video for more information: Retirement Plan Pilot with Assetlock® Personal
AssetLock® Personal is a secure retirement account monitoring tool that will inform you about the progress of your retirement account. It works by allowing you to set your AssetLock® Percentage, this is maximum downside (or loss) you are willing to experience in that account before being notified. An AssetLock® Percentage can range from 5% - 30% and is always based on the High-Water Value (the highest value the account has reached). If your account does experience loss, you will receive an email and/or text message alert as the value is nearing and reaches the AssetLock® Percentage. You may also set notifications for new account highs.