Segregating assets. . . assuring income when you need it


To manage your assets and retirement distributions, Vector offers you PensionTRAC™, a wholly-owned pension management application. It helps us develop an investment policy based solely on your financial goals.


First we segregate assets into four portfolios; Assured Income, Principal Preservation, Growth and Legacy. This portfolio segmentation process is based on the fact that the core principles of investing and market cycles don't change just because you are a certain age.

Portfolio 1: Assured Income

This portfolio provides income for the first one to four years of retirement, making certain that none of these assets are subject to market risk.

Portfolio 2: Principal Preservation

This portfolio has a time frame of four to six years. Due to the relatively short time frame, this portfolio relies on a preservation strategy with a growth component to address anticipated inflation.

Portfolio 3: Growth

This is the first portfolio with more of a growth component due to the fact that we have approximately three market cycles or 10 years for these assets to grow.

Portfolio 4: Legacy

This is the long-term growth portfolio, with the greatest flexibility to orient toward growth depending most specifically on your risk tolerance and objectives.