We’re changing how the world looks at Managed Account Programs

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

Managed Account Program Screen

The Goal Matters

iJoin MAP leverages Liability Driven Investment (LDI) principles to determine the retirement income need and align investments to meet that need. LDI methodology has been used for decades to determine the adequate funding of defined benefit plans. It’s the methodology behind iJoin’s goal-based enrollment experience which considers income, savings, outside assets, location, age and many other factors in determining the retirement income needed for each person.

We’re making the power of LDI available to individual plan participants in an automated, yet personalized way.

iJoin MAP goal illustration

In retirement plans, many QDIAs rely on target date funds that, while diversified, are oriented to balance risk and return based on the single data point of a person’s desired retirement age.

While QDIAs can be productive, they are not designed to optimize an individual saver’s unique path to retirement. We believe QDIA offerings that don’t project or attempt to fund a saver’s estimated retirement need fundamentally fall short.
The goal matters.

iJoin MAP produces a personalized, retirement-funding goal for each saver, based on age, savings, income and dozens of additional data points that aligns an investment recommendation to fund the goal. And iJoin periodically reports on each saver’s progress, suggesting ways to close the gap.

iJoin’s Managed Account Program can help you deliver a new quality of experience. Let’s talk.