IMS Income is our high-yield investment strategy that has a minimal level of risk.

IMS Five Funds is our equity investment strategy that has a stock market level of risk.

IMS clients manage suitability for their individual circumstances by the proportion they invest in IMS Income or in IMS Five Funds. Our older investors often select 100% IMS Income.

IMS Income is an actively managed high-yield mutual fund program that has performed as well as the stock market over the past 25 years.

IMS Five Funds is a less actively managed equity mutual fund program that synchronizes each fund to closely parallel the following objectives:

15% NASDAQ/OTC Indices

40% S&P 500 Index

15% Mid-Cap Growth

15% Dividend Growth

15% Growth and Income

The actively managed IMS Income fee is 1.2% per year, and the less actively managed IMS Five Funds fee is 0.4% per year

Although high-yield mutual funds have substantial market risk, they generate internal dividend returns that range between 5% and 8%.  The periods IMS Income owns the defensive money market position, rather than the high-yield position, has had the effect of adding capital gains to the generous high-yield returns. 

Our charts illustrate the IMS Income defensive periods have increased total performance to a level well above that of an unmanaged investment in the high-yield markets.  Yield Plus.