Management of Risk to Reach Your Goals
MEMBERS Trust Company will partner with you to help you reach your investment goals. Our expertise includes managing investments for objectives like aggressive growth, growth, growth and income and income. As you pass through the various stages of your life, your financial needs and objectives will change. Our core principle is that allocation across investment classes should be adjusted as you pass through these cycles of life. We believe that since investments involve risk, they should be prudently managed by diversification, asset allocation, continual monitoring and a customized investment policy for each investment portfolio.
Investment Policy Statement
Investments should be made only after a clear objective is established for the portfolio. When you partner with MEMBERS Trust Company, our staff will help you develop a clear investment policy statement for your account, which acts as a roadmap to construct a customized investment portfolio. Developing a personal policy statement involves a process that includes analyzing your tolerance for risk, investment time period, personal objectives, taxes and any other personal preferences or constraints.
back to top Current Investment Holdings
When you work with MEMBERS Trust Company to develop an investment plan, you may also have current investment holdings which must be considered. Our approach with current holdings is to determine the investment quality and potential impact they will have on your targeted goals for diversification. We will also determine the tax liability if the holdings are sold. The potential tax liability will be balanced against the risk of retaining current holdings. Current investments held in an account will be monitored for investment quality and managed to minimize tax liability if they are sold.
back to top MEMBERS Trust - Private Account
MEMBERS Trust Company offers a specialized Private Account comprised of individual securities and select mutual funds to meet your investment objectives.
back to top MEMBERS Trust - Fund Account
Asset allocation models, comprised of select no-load mutual funds, are available with a MEMBERS Trust Company Fund Account. The investment specialists at MEMBERS Trust will help you rebalance the investment classes in the account periodically in order to maintain diversification and meet your investment objectives. This practice enables the portfolio to maintain targeted allocations of investments in stocks and bonds throughout the various cycles of the market.
IRA Management Account
Whether your IRA is a rollover of funds from a lump sum payment from your company's retirement account or an active account in which you are making annual contributions, MEMBERS Trust Company can customize the right asset allocation for this very important account. Similar to the Trust Fund account, MEMBERS Trust will help you develop a policy statement for this account to determine the proper asset allocation.
Self Directed 403(b)(7) Custodian Account
According to retirement experts, you will need 60% to 80% of your pre-retirement income to maintain your current standard of living. To help prepare for retirement, MEMBERS Trust Company offers employees of schools and nonprofit institutions a tax sheltered account under tax code 403(b)(7). Your contributions are excluded from your gross income for tax purposes, and earnings are tax deferred until you begin to make withdrawals, normally at age 59 ½ or retirement. You may make investments in selected models comprised of mutual funds or self direct your investments in any of the funds available. Investment changes are made by you, using the internet, which gives you complete control over your account.
MEMBERS Custodian Account
A MEMBERS Custodian Account allows MEMBERS Trust Company to hold your assets in custody, collect dividends and interest and maintain record keeping of all assets and transactions. You will receive a quarterly statement and use your personal computer to view your positions and transactions. If a need exists, MEMBERS Trust Company will also assist you with paying bills and perform other financial services with this account.
Copyright ® MEMBERS Trust Company 2003-2008. Not NCUA or FDIC Insured or Guaranteed.
MEMBERS Trust Company non-deposit investment products referenced in this site or any page hereof are not credit union or bank deposits or obligations of, or guaranteed or endorsed or otherwise supported by, MEMBERS Trust Company , any credit union or any affiliate, are not federally insured or guaranteed by the United States Government, National Credit Union Administration , Federal Deposit Insurance Corporation, Federal Reserve Board or any other governmental agency, and are subject to investment risks, including possible loss of the principal amount invested.
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