Keep Yourself Informed

Faced with complex regulatory requirements and mounting pressure to reduce costs, employers find their role as the plan sponsor overwhelming.


Separately Managed Accounts (SMAs)

INR also offers investment managers an efficient solution for trading separately managed accounts (SMAs) in real-time.


TandemModels® enables investment managers to build and manage ETF model portfolios for plan participants.


Self-Aligning Portfolios™

Maximizes the investment strategy known as dollar-cost-averaging
Mitigates risk by maintaining portfolio alignment with its target asset allocation


PORTLAND, Ore. March 12, 2014 – Invest n Retire, LLC (INR) was granted a patent Jan 28 2014 (pat. US 8,639,604) for its parent patent filed Oct 2004. Abstract: “A system and method of managing tax-deferred retirement accounts that enable the participants to invest in exchange traded funds (ETFs) and to forecast and intelligently plan for their retirement savings needs. The system and method preferably allow each participant to select an asset allocation model pursuant to which their investments will be managed . . ." Since 2003 INR has provided our 401(k) clients with record keeping and trading services which allows the participants to own whole and fractional shares of ETFs in their retirement account.


Invest n Retire® is a technology company located in Portland Ore.

Invest n Retire, LLC (INR) designed its patented technology (pat. US 8,639,604 and
pat. US 8,060,428) for delivery as Software as a Service (SaaS). INR provides a complete record keeping and trading system for defined contribution (DC) plans which includes the technology necessary to automatically trade exchange traded funds (ETFs). INR executes ETF trades intra-day directly with a broker, such as Wolverine (WEX), with execution occurring within seconds after pricing at market.

With Invest n Retire's technology, ETFs are transformed into a viable low-cost solution to high-cost mutual funds. INR offers its record keeping and trading system to DC record keepers and TAMPs (Total Asset Management Program) through a SaaS subscription agreement. You may also include the option to white label entry into the system for your clients under your brand name.

SaaS incorporates the best practices delivering on-demand software.


Pension & Investments reported March 2014 that defined contribution (DC) assets skyrocket to $5.06 trillion ending Sept 2013. With the growing DC market, companies are begging for robust technology that can handle the demand. Invest n Retire® exceeds the challenge with our patented technology and delivery method as software as a service (SaaS).

SaaS applications are designed as a multi-tenant environment. Instead of deploying software on the client side, enhancements are implemented at the SaaS data center and made available to the entire user community which eliminates the need to perform upgrades at the client level. Systems are configurable so each client has a custom experience, yet the code base is disparate and maintained for the benefit of all clients. These efficiencies drastically reduce your overall cost in delivering services to your clients.

Model Portfolios Designed by Investment Managers using ETFs

Companies that sponsor 401(k) plans are looking for investment managers who build model portfolios using exchange traded funds (ETFs). Our module, TandemModels®, enables investment managers to build and manage ETF model portfolios for plan participants. Participants own whole and fractional shares of ETFs.

Client interviews available in our video page.

We chose ETFs for our 401(k) plan for a number of reasons, Raylon Corporation

When we switched to ETFs in 2004, our employees asked if we were the guinea pigs for ETFs in 401(k)s, Navmar Applied Sciences Corporation

Separately Managed Accounts (SMAs)

Invest n Retire® provides investment managers with the technology required to efficiently and cost effectively manage separately managed accounts (SMAs). Managers build model portfolios by choosing from 1,500 exchange traded funds (ETFs). When a manager makes a change in a model, the change automatically translates across all of the manager's clients. SMA clients own whole and fractional shares of ETFs.

SMA accounts are growing at an astonishing rate as reported by Morningstar Fund Research Dec 2013, ETF Managed Portfolios Landscape: "Morningstar estimates that SMA accounts control $96 billion in assets as of Dec 2013 with total assets increasing by 40% since Dec 2012."

© Copyright 2004 to 2014 Invest n Retire, LLC Disclaimer & Copyright    Patents US 8,639,604 and US 8,060,428