Exchange Traded Funds (ETFs): We offer ETFs as investment options in tax-deferred retirement plans, using patented technology (pat. US 8,060,428) allowing employees to own whole and fractional shares of ETFs in their retirement account. Adding low-cost ETFs increases participants' returns by the cost savings realized, without increasing investment risk.

ERISA §3(38) Investment Manager: Through our platform a plan sponsor may hire an ERISA qualified §3(38) investment manager. This allows the plan sponsor to transfer his or her fiduciary responsibility, in writing, to the §3(38) manager for selecting, monitoring, and managing the investment options offered to plan participants.

Model Portfolios: The §3(38) investment manager designs age-based model portfolios as qualified default investment alternatives (QDIA). Participants who still wish to choose their own investments may continue to do so, although studies demonstrate that only five percent (5%) of employees choose to pick their investments. This attests to the strong demand for professional portfolio management.

Retirement Calculator: Participants ask: How much do I need to save for retirement? To help answer this perplexing question, we provide participants with a retirement calculator which is integrated with payroll information.

Record keeping and payroll integration: Full integration with payroll facilitates our ability to prepopulate personal information into the calculator; such as age, salary, and contribution rate. The calculator also prepopulates the historical rate of return for the participant's investment model so that the participant is not required to figure this out through an arduous task.

Mandatory Fee Disclosure: INR discloses fees for plan services, which are paid by participants by deducting fees from their retirement account, in dollars and cents on their quarterly statement. Since ETFs do not charge revenue sharing fees which are paid to third parties for plan services, INR eliminated the "revenue sharing fee payment arrangement" hurdle. This ensures that INR is in full compliance with the Department of Labor fee disclosure regulations under ERISA §404(a)(5).

Simplifying the conversion process: We work directly with your prior service provider in determining time-lines for the black-out period, receipt of employee records, and transfer of plan assets so that you are relieved of these burdensome duties.

The Participant Experience at Invest n Retire® (video)