A Better QDIA

At the discretion of the plan advisor and plan sponsor, iJoin MAP is implemented as the plan’s Qualified Default Investment Alternative (QDIA), providing ERISA 3(38) fiduciary protection to both the plan and participants.

iJoin MAP, addresses two critical shortcomings of many QDIA offerings:

  • They fail to address the core question of how much to save
  • They don't project or attempt to fund the saver's estimated retirement need
iJoin MAP screenshot

Managed account programs serve an important audience: hard working people who don’t have the time or knowledge to confidently select and manage their investments. As a qualified default investment alternative (QDIA) in retirement plans, a professionally managed account program offers a “do it for me” approach for long-term investing. And for many people, this can be a great choice.

iJoin MAP goals

How much to save is the most important question people have and it’s precisely where we start. iJoin MAP produces a personalized retirement funding goal for every person based on their age, savings, income and dozens of additional data points. That aligns an investment recommendation to fund their goal. And we report periodically on how well they’re doing towards their goal and suggest ways to close the gap.

That's iJoin.

iJoin MAP is a goal-oriented managed account program

iJoin MAP leverages liability driven investment (LDI) principles to determine the need and align investments to meet that need. LDI methodology has been used for decades to determine adequate funding of defined benefit plans. We're making the power of LDI available to individual plan participants in an automated, yet personalized way.

The iJoin experience quickly answers the most important questions savers face:


How much money will I need to save for retirement?


How much do I need to contribute?


Am I saving enough?


What if I work longer or contribute more?

Reach out to learn more