An Introduction

The Tenzing Investment Planning Service

Improve Your Returns

TIPS In Action

Legal Matters
     -
How Tenzing Fits In

Special Services

TIPS In Action

Our most popular service with plan sponsors is our Tenzing Investment Planning Service - TIPS for short.

The following is an abridged version of our TIPS program.

INVESTOR BEHAVIOUR STUDY
"BEFORE VERSION"

 

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
     

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".
 

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.
 

PERSONAL INVESTMENT ADVICE

 

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.
 

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.
 

INVESTOR BEHAVIOUR STUDY
"AFTER VERSION"

We will provide you with an "After" version report that details the quantitative results of our TIPS program.
 

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.
 

Copyright 2000 Tenzing Pension & Investment Services Inc.