Systematic Investment Selection Process

for Mutual Funds and ETFs


 

Independent:
Envoy Advisory, Inc. is a Registered Investment Advisor. 

Universe:
Open architecture allow access to over 25,000 investment products.

Monitored:
Transparent & systematic quarterly review of the investment menu are provided.

Innovative:
There is continual focus on providing new opportunities.


Your Participants' Investment Options

Your Church and Ministry Organization's investment menu will be developed so EVERYONE can invest well. Whether your employees are novice or knowledgeable investors, there is an investment approach that will fit their needs. They can choose from a list of carefully screened and monitored Mutual Funds or ETFs if they feel comfortable picking from these individual investments. For those who would like additional help with their investments, they can choose from different types of managed models. This video is an example of what will be available for your Participants as they choose the right approach for them.


 

Exchange Traded Funds (ETFs)

Our commitment to serving our clients by continually looking for solid performing, low-cost investment options is evidenced by our ETF (Exchange Traded Fund) Basic Investment Menu. We were among the first in the faith-based community to offer ETFs, and we believe that they present an excellent vehicle for long-term
index investing. Of course, clients may choose to use traditional Mutual Funds instead.

 

Target-Date Models

The target-date model is a managed model where the investment choice is determined by your age and when you expect to retire. With your current age being your starting point this model will become progressively more conservative as you approach retirement age. You have the option to choose either regular Target-Date Models or Faith-Based Models. The holdings within the Faith-Based Investments strictly avoid businesses involved in abortion and pornography and generally screens for businesses involved in gambling, alcohol, tobacco and war products.


Risk-Based Models

Risk-based investment models are a very popular choice by Participants. The risk-based models include Conservative, Moderate Conservative, Moderate, Moderate Aggressive and Aggressive. These models use actively managed portfolios by some of the best-known providers such as J.P. Morgan, Schwab, and TIAA. Because of an open architecture capability, these choices are regularly evaluated and replaced if not performing according to the Investment Policy Statement criteria.


Risk-Based Plus Models

The risk-based investment models only address the one element of investment decision making, risk. However, the Risk-Based Plus Models expand the number of elements taken into consideration. Adding these elements results in a more comprehensive and comfortable investment selection. This investment approach starts with the individual’s risk level and adds their age, time to retirement, and their 2 Money Personalities™. The initial risk assessment is then modified by these additional elements. These models use actively managed portfolios by some of the best-known providers such as Fidelity, Vanguard, and TIAA.