Invest n Retire, LLC (INR) is a technology company and record keeper for qualified tax-deferred retirement plans, located in Portland, Ore. INR’s uniquely designed patented technology (pat. US 8,060,428) solves numerous problems confronting the retirement industry. Our system includes the following advantages:
Exchange Traded Funds (ETFs): Invest n Retire® offers ETFs as investment options in tax-deferred retirement plans which allows employees to own whole and fractional shares of ETFs in their retirement account.
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.
Simplifying the conversion process: By working directly with your prior service providers in determining time-lines for the black-out period, receipt of employee records, and transfer of plan assets, we relieve you from these burdensome duties.
The Participant Experience at Invest n Retire® (video)