Investments
Money deposited with JLA Trust is pooled and invested.
Our trusts are professionally invested with Charles Schwab & Co., managed by our partners at True Link Financial. This gives our clients access to professional investment services to help increase their trust funds even while spending funds.
At the time of enrollment, we select one of the investment portfolios for each client. Which one depends on age, account value, anticipated monthly expenses, and client preference. Each trust earns income based on the performance of the chosen investment portfolio. For many of our clients, their trust’s investment earnings each year cover the fees paid on their trust account, but this will vary depending on overall market performance, the portfolio selected, and the amount of money in the trust, and is not guaranteed.
At the time of enrollment, we select one of the investment portfolios for each client. Which one depends on age, account value, anticipated monthly expenses, and client preference. Each trust earns income based on the performance of the chosen investment portfolio. For many of our clients, their trust’s investment earnings each year cover the fees paid on their trust account, but this will vary depending on overall market performance, the portfolio selected, and the amount of money in the trust, and is not guaranteed.
JLA Trust’s Investments, like all Investment and Insurance Products, are:
- Not Insured by the FDIC or Any Federal Government Agency
- Not a Deposit or Other Obligation of, or Guaranteed by, the Bank or Any Bank Affiliate
- Subject to Investment Risks, Including Possible Loss of the Principal Amount Invested
Conservative
Trust funds are invested carefully and conservatively but still with potential gains, with 80% fixed income and 20% equity. Historically, this portfolio has offered 3.4% returns, with 5.4% risk.
Conservative Growth
Trust funds are invested with a little more risk and a little more potential gain than conservative, with 60% fixed income and 40% equity. Historically, this portfolio has offered 4.3% returns, with 7.0% risk.
Moderate
Our greatest potential returns for those who want to take on a little more risk. A moderate growth portfolio is 40% fixed income and 60% equity. Historically, this portfolio has offered 5.1% returns, with 9.3% risk.
