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Get your questions answered

Find the answers to Frequently Asked Questions below or contact us for more information. We are here to help!

Investment Link, LLC ("Investment Link") is an investment adviser registered with the U.S. Securities and Exchange Commission (SEC). We have a fiduciary duty to our clients, putting their best financial interests first, always ahead of ours. As a financial technology firm, Investment Link specializes in retirement income advice and offers its services exclusively through subscriptions to its web-based retirement income management system, branded under The Retirement Buckets® Income Plan.

General

Investment Link® is a financial technology firm. As an SEC Registered Investment Adviser, we offer web-based financial planning service to create and manage retirement income advice with automated risk management, branded under The Retirement Buckets® Income Plan. The advice consists of two parts: Planning Advice with risk management through Retirement Buckets®, and Investment Advice with risk management through Target Volatility Portfolios. Depending on the advisory service plan selected, the scope of the advice will include the future projections, asset allocation, investment recommendations, and systematic rebalancing. Learn More.

Whether you are paying hundreds or thousands of dollars per year to have the financial professionals helping you structure your retirement income, or you are doing your own research to find the retirement income advice, or simply don’t know where to start – our web-based platform to manage retirement income with automated risk management is here to help.

Unlike the most of financial services firms, we do not ask our clients to transfer or rollover their assets to Investment Link. The actual trading is done by you in any account with any firm of your choice. This way, you can receive the retirement income advice without the asset-based fees. Learn More.

What is The Retirement Buckets® Income Plan?

The Retirement Buckets® Income Plan is a web-based financial planning software to create and manage retirement income advice with automated risk management. The advice consists of two parts: Planning Advice with risk management through Retirement Buckets®, and Investment Advice with risk management through Target Volatility Portfolios. Depending on the plan selected, the scope of the advice will include the future projections, asset allocation, investment recommendations, and systematic rebalancing. Learn More.

What services are included in my subscription?

There are three plans available to choose from: Premium, Standard, and Registered. Please visit our Plans & Pricing page to review all the features included with each plan.

Who does the trading?

Unlike the most of financial services firms, we do not ask our clients to transfer or rollover their assets to Investment Link. The actual execution of trades is done by you in any account of your choice. This way, you can receive the Retirement income advice without the asset-based fees. Learn More.

Why doesn't the website recognize my computer?

We use “cookies” to recognize the computers you use to log in. Over time, cookies can be removed from your computer through system updates (e.g., browser security updates) or your actions (e.g., proactively deleting cookies from your browser). If you want us to recognize the computer you’re using to log in, click the checkbox next to Remember me on log in screen.

What are cookies and why must my browser accept them?

Cookies and other similar data files are tiny pieces of information that we ask your browser to store. If your browser doesn’t accept cookies, you won’t be able to view your account information online. Learn More

What is an investment adviser?

An investment adviser is an individual or company who is paid for providing advice about securities to their clients. Although the terms sound similar, investment advisers are not the same as financial advisors and should not be confused. The term financial advisor is a generic term that usually refers to a broker (or, to use the technical term, a registered representative). By contrast, the term investment adviser is a legal term that refers to an individual or company that is registered as such with either the Securities and Exchange Commission or a state securities regulator. Common names for investment advisers include asset managers, investment counselors, investment managers, portfolio managers, and wealth managers. Investment adviser representatives are individuals who work for and give advice on behalf of registered investment advisers.

What is the difference between an investment adviser and a financial planner?

Most financial planners are investment advisers, but not all investment advisers are financial planners. Some financial planners assess every aspect of your financial life — including saving, investments, insurance, taxes, retirement, and estate planning — and help you develop a detailed strategy or financial plan for meeting all your financial goals.

Others call themselves financial planners, but they may only be able to recommend that you invest in a narrow range of products, and sometimes products that aren’t securities.

Before you hire any financial professional, you should know exactly what services you need, what services the professional can deliver, any limitations on what they can recommend, what services you’re paying for, how much those services cost, and how the adviser or planner gets paid.

Account

Why must I have a valid e-mail address on file?

We require a valid e-mail address so we can communicate any changes or updates to your account information. A valid e-mail address is also used as you User Name.

What types of credit cards can I use?

For your convenience, we accept all four major credit cards: Visa®, Mastercard®, Discover®, American Express®.

Can I cancel my subscription and terminate the advisory service plan?

Yes, you can cancel your subscription and terminate the advisory service plan at any time. Simply Log In to your account and navigate to the section titled “Account Settings” then click “Cancel Subscription” button.

After you cancel you subscription:

► you will have access to your account for the remainder of the subscription period regardless if the Regular Advisory Fee or Discounted Advisory Fee was paid last;

► no other payments will be due;

► your account will be automatically downgraded to Registered Plan on the first day following the end of the subscription period.

What if I forgot my user name?

Your user name is the email address you used when registered with Investment Link. Please contact us if you have any questions.

What if I forgot my password?

You can change your password anytime. Remember to keep your password confidential. If you believe that someone has gained an unauthorized access to your password, change it immediately and contact us.

Security

Are you at risk of investment fraud?
Use FINRA’s Risk Meter to see whether you share characteristics and behavior traits that have been shown to make some investors vulnerable to investment fraud.
Who is my investment adviser?
Before investing, check your investment adviser at https://adviserinfo.sec.gov and/or https://brokercheck.finra.org.
How can I help protecting myself against investment fraud?
To learn more how to protect yourself against investment fraud, read this Guide For Seniors published by the U.S. Securities and Exchange Commission (SEC).

Investing

What are Exchange-Traded Funds (ETFs)?
Exchange-traded funds (ETFs) are SEC-registered investment companies that offer investors a way to pool their money in a fund that invests in stocks, bonds, or other assets. In return, investors receive an interest in the fund. Most ETFs are professionally managed by SEC-registered investment advisers. Some ETFs are passively-managed funds that seek to achieve the same return as a particular market index (often called index funds), while others are actively managed funds that buy or sell investments consistent with a stated investment objective.

ETFs are not mutual funds. But, they combine features of a mutual fund, which can only be purchased or redeemed at the end of each trading day at its NAV per share, with the ability to trade throughout the day on a national securities exchange at market prices. Before investing in an ETF, you should read its summary prospectus and its full prospectus, which provide detailed information on the ETF’s investment objective, principal investment strategies, risks, costs, and historical performance (if any).
What are Mutual Funds?
A mutual fund is a type of investment company that pools money from many investors and invests the money in stocks, bonds, money-market instruments, other securities, or even cash.

Investors purchase shares in the mutual fund from the fund itself, or through a broker for the fund, and cannot purchase the shares from other investors on a secondary market, such as the New York Stock Exchange or Nasdaq Stock Market. The price that investors pay for mutual fund shares is the fund’s approximate net asset value (NAV) per share plus any fees that the fund may charge at purchase, such as sales charges, also known as sales loads.

Mutual fund shares are “redeemable.” This means that when mutual fund investors want to sell their fund shares, they sell them back to the fund, or to a broker acting for the fund, at their current NAV per share, minus any fees the fund may charge, such as deferred sales loads or redemption fees.

Mutual funds generally sell their shares on a continuous basis, although some funds will stop selling when, for example, they reach a certain level of assets under management.

The investment portfolios of mutual funds typically are managed by separate entities known as “investment advisers” that are registered with the SEC. In addition, mutual funds themselves are registered with the SEC and subject to SEC regulation.

There are many varieties of mutual funds, including index funds, stock funds, bond funds, and money market funds. Each may have a different investment objective and strategy and a different investment portfolio. Different mutual funds may also be subject to different risks, volatility, and fees and expenses. Fees reduce returns on fund investments and are an important factor that investors should consider when buying mutual fund shares.
What are Index Funds?
An “index fund” describes a type of mutual fund whose investment objective typically is to achieve approximately the same return as a particular market index, such as the S&P 500 Composite Stock Price Index, the Russell 2000 Index or the Wilshire 5000 Total Market Index. An index fund will attempt to achieve its investment objective primarily by investing in the securities (stocks or bonds) of companies that are included in a selected index. Some index funds may also use derivatives (such as options or futures) to help achieve their investment objective. Some index funds invest in all of the companies included in an index; other index funds invest in a representative sample of the companies included in an index.

The management of index funds is more “passive” than the management of non-index funds, because an index fund manager only needs to track a relatively fixed index of securities. This usually translates into less trading of the fund’s portfolio, more favorable income tax consequences (lower realized capital gains), and lower fees and expenses than more actively managed funds.

Because the investment objectives, policies and strategies of an index fund require it to purchase primarily the securities contained in an index, the fund will be subject to the same general risks as the securities that are contained in the index. Those general risks are discussed in the descriptions of stock funds and bond funds. In addition, because an index fund tracks the securities on a particular index, it may have less flexibility than a non-index fund to react to price declines in the securities contained in the index.
What are Bond Funds and Income Funds?
“Bond funds” and “income funds” are terms used to describe a type of investment company (mutual fund, closed-end fund or unit investment trust (UIT)) that invests primarily in bonds or other types of debt securities. Depending on its investment objectives and policies, a bond fund may concentrate its investments in a particular type of bond or debt security – such as government bonds, municipal bonds, corporate bonds, convertible bonds, mortgage-backed securities, zero-coupon bonds-or a mixture of types. The securities that bond funds hold will vary in terms of risk, return, duration, volatility and other features.
What are Ultra-Short Bond Fund?
Ultra-short bond funds are mutual funds that generally invest in fixed income securities with extremely short maturities, or time periods in which they become due for payment. Like other bond funds, ultra-short bond funds may invest in a wide range of securities, including corporate debt, government securities, mortgage-backed securities and other asset-backed securities. Some investors don’t realize that there are material differences between ultra-short bond funds and other investments with relatively low risks, such as money market funds and certificates of deposit. Specifically, ultra-short bond funds tend to have higher risks than money market funds and certificates of deposit (CDs).
What are Certificates of Deposit?
Investors who are searching for relatively low-risk investments that can be easily converted into cash often invest in certificates of deposits (CDs). CDs typically pay higher interest than regular savings accounts. Although investors have traditionally purchased CDs through banks and thrift institutions, brokerage firms also offer CDs. Like other investments, CDs have become more complicated.

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