IMS INCOME and IRAs
Contributory IRA accounts are available to all qualified investors. The minimum initial investment is $10,000 plus the establishment of an automatic monthly contribution.
The Suitability Guideline allows for the growth investments to decrease and the IMS Income investment to increase as the investor progresses to retirement.
Suitability Guideline A risk-control guideline for IRA investors
Your are between
25 and 35
IMS Income
0%
Management Fee: 0.4%
Your are between
35 and 45
IMS Income 20%
Management Fee: 0.6%
Your are between
45 and 55
IMS Income 40%
Management Fee: 0.7%
You are between
55 and 65
IMS Income 60%
Management Fee: 0.8%
Your are between
65 and 75
IMS Income 80%
Management Fee: 1.0%
Your are over age 75
IMS Income 100%
Management Fee: 1.2%
IMS Five-Funds Growth Program
IMS selects five no-load growth mutual funds that, together, are expected to perform close to that of the S&P 500 Stock Market Index over multiple market cycles. The five mutual funds in the portfolio are selected from among over 6,000 mutual funds and correlated to match the following funds and objectives.
IMS Income
IRA investors are encouraged to follow the Suitability Guidelines to reduce risk as retirement approaches by increasing the portion invested in IMS Income.
IMS Five Funds Detail: IMS monitors the five equity mutual funds and makes a change only if necessary to maintain the integrity of their objectives. The five mutual funds are rebalanced each quarter to their relative percentages. The management fee associated with IMS Income is 1.2% per year, and the management fee associated with the less actively managed IMS Five Funds portfolio is 0.4% per year.
15% Nasdaq/OTC Fund Objective
40% The S&P 500 Stock Average
15% Mid-Cap Growth Objective
15% Dividend Growth Objective
15% Balanced Fund Objective
Suitability Guidelines
| IMS Five Funds | Age | IMS Income |
| 100% | 25-35 | 0% |
| 80% | 35-45 | 20% |
| 60% | 45-55 | 40% |
| 40% | 55-65 | 60% |
| 20% | 65-75 | 80% |
| 0% | 75+ | 100% |
The Benefits of a Contributory IRA
IRA tax deductions and tax deferrals help build financial security.
Employment retirement assets (401-K, 402-B, etc.) can eventually be consolidated into your contributory IRA.
Monthly contributions take advantage of bear markets through dollar-cost-averaging.