INVESTOR BEHAVIOUR STUDY
"BEFORE VERSION"
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We analyze the actual experience of your plan to see how members have been investing their accounts.Tenzing searches for noteworthy
trends including the following:
1) Most popular combination of funds
2) Typical number of funds held
3) Utilization of Guaranteed Investments
4) Most and least utilized investments
5) Utilization of foreign funds
6) Effectiveness of diversification by
investment style
7) Relationship between account size and
investment prudency
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The Investment Behaviour Study will tell you how prudently plan members have invested their retirement accounts in the past. It also
provides clues as to how successful any investment education efforts have been to date. Most importantly, it becomes the "Before" of a "Before and After Study".
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PROFILING EACH MEMBER OF
YOUR PLAN |
We develop a personal profile on each of your plan members. We take them through a step-by-step series of questions about their savings goals, time horizons, risk-tolerance and
investment experience. We use this information to form our investment recommendations to your plan members.
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PERSONAL INVESTMENT ADVICE 
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We develop asset-allocation formulas and select funds among the options you make available under your specific plan.We advise each
member on how to invest their future contributions; how to invest any guaranteed term deposits they currently hold; and how to invest any investment funds they currently hold. ONE-ON-ONE MEETINGS:
We will discuss our advice with the member during an on-site face-to-face meeting. Meetings are 15 minutes in length and are repeated each year. INTERNET PORTFOLIO ADVISOR:
The member completes our Risk profiling questionnaire on-line and receives our investment advice via return e-mail or regular
mail.
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MEMBER INVESTMENT ADVICE REPORT |
Tenzing provides each member with a report that summarizes their risk profile and our recommended investment advice for their current
and future investments.
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INVESTOR BEHAVIOUR STUDY
"AFTER VERSION" |
We will provide you with an "After" version report that details the quantitative results of our TIPS program.
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MEMBER FEEDBACK SURVEY REPORT |
We will provide you with a qualitative summary of the feedback from your plan members. This report, in combination with the Investor Behaviour Study "After Version" will provide you with all the information
you will need to determine the success of the program.
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