The LDIndex Portfolio

Five LDIndex™ Targeted Return Portfolios

The LDIndex is calculated for each Investor. The LDIndex is the identified targeted return benchmark linking each Investor’s assets to their liabilities (expenses), designed to achieve their financial goal. The five LDIndex portfolios have corresponding risk/return attributes ranging from conservative to very aggressive. When capital markets and/or Investor situations change, this may necessitate a readjustment among the five LDIndex portfolios to keep Investors on target. No emotion, no market timing, no destructive behavior. Just goals-based common sense.

Investor Strategies | Different Needs – Different Portfolios

LDIndex3

Defensive Capital Preservation

Equity Range 5-35%
Equity Target 20%

Investor Profile: Conservative
Portfolio Objective: Defensive Capital Preservation
Portfolio Value Fluctuation Volatility: LOW – Short term bond benchmark like volatility
Time Horizon Suitability: 3 + years horizon with focus on stable returns and avoiding capital loss if possible.
Benchmark: 15% MSCI ACWI NR / 75% BC IGC / 10% HFRI FoF Composite Index

LDIndex4

Purchasing Power Preservation

Equity Range 25-55%
Equity Target 40%

Investor Profile: Moderate Conservative
Portfolio Objective: Purchasing Power Preservation
Portfolio Value Fluctuation Volatility: MODERATELY LOW – blended benchmark like volatility
Time Horizon Suitability: 4 + years horizon with focus on outpacing inflation to preserve purchasing power.
Benchmark: 35% MSCI ACWI NR / 50% BC IGC / 15% HFRI FoF Composite Index

LDIndex5

Capital Appreciation / Income

Equity Range 45-74%
Equity Target 60%

Investor Profile: Moderate
Portfolio Objective: Capital Appreciation / Income
Portfolio Value Fluctuation Volatility: MEDIUM – blended benchmark like volatility
Time Horizon Suitability: 5 + years horizon with focus on outpacing inflation to grow purchasing power.
Benchmark: 55% MSCI ACWI NR / 30% BC IGC / 15% HFRI FoF Composite Index

LDIndex7

Capital Appreciation

Equity Range 65-95%
Equity Target 80%

Investor Profile: Moderate
Portfolio Objective: Capital Appreciation
Portfolio Value Fluctuation Volatility: HIGH – years horizon focus on outpacing inflation to grow purchasing power.
Time Horizon Suitability: 5 + years horizon focus on outpacing inflation to grow purchasing power.
Benchmark: 75% MSCI ACWI NR / 10% BC IGC / 15% HFRI FoF Composite Index

LDIndex9

Maximum Capital Appreciation

Equity Range 75-100%
Equity Target 95%

Investor Profile: Aggressive
Portfolio Objective: Maximum Capital Appreciation
Portfolio Value Fluctuation Volatility: HIGH – All equity benchmark like volatility.
Time Horizon Suitability: 5 + years horizon focus on outpacing inflation to grow purchasing power.
Benchmark: 85% MSCI ACWI NR / 0% BC IGC /  15% HFRI FoF Composite Index

The LDIndex defines an Investor’s income, inflation protection, growth, and liquidity needs while also monitoring portfolio risk exposures. This approach is also responsive to capital markets and/or Investor circumstantial change(s). Event-driven investing considerations such as these are designed to help avoid emotional hazards of market timing and other potentially destructive investment decisions. This process monitors and periodically rebalances for dynamic changes that occur on both sides of the Investor’s balance sheet due to changing economic and capital markets environment.

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