AssetBuilder’s abri is an investment-management service that converts a retiree’s assets into a reliable income-stream for life.
AssetBuilder’s abri is an investment-management service that combines powerful software with a decade of investment experience to effectively manage assets for individuals during their retirement.
This is achieved without threatening future needs, restricting liquidity or attaching exorbitant fees. Our primary goal is to convert a retiree’s assets into a reliable, stable income stream for life.
First, we gather some basic information such as date-of-birth, asset balances, and expense/budget figures. Abri also considers other income streams such as Social Security, pensions or part-time work. That information is then used to customize a portfolio to suit your goals and needs. You can view your portfolio through your online dashboard. This dashboard gives you a holistic view of retirement so you’ll always know where you stand. Plus you’ll have the care and attention of a personal advisor to guide you along the way.
Liability Driven Investment is an investment methodology designed to create cash-flows needed to fund future expenses. And since you know what those everyday-expenses are, we invest specifically to cover them. This method of investing for retirement has long been reserved for institutions and governments-until now.
The LDI strategy has three main advantages:
A good LDI strategy starts with determining how long the money you saved will need to last. Then it creates a realistic timeline that illustrates how your expenses can be covered each year.
LDI involves buying a portfolio of fixed income securities that mature at the right time and in the right amount to cover future expenses. It’s a concept known as duration matching. In other words, when a bill comes due, there is a bond maturing in the amount needed to cover it-even when the market is volatile.
This strategy invests in bonds that are protected from inflation. At maturity, these bonds - known as TIPS (Inflation-protected Treasuries) - pay the original rate and adjust for inflation. We use TIPS in abri to ensure that your future income is worth just as much tomorrow as it is today.
Abri is a high-level service that is typically associated with high fees and hourly rates.
But abri is different. Here is what our service provides:
Our annual fee is 0.5%. That’s it. Compared to the average retirement advisor, Our numbers are based on the average Retirement Advisors rate of 1% that’s pretty low. And the trading costs associated with abri and fund fees charged by DFA (our fund managers) are among the lowest in the industry.
To get the most out of abri, you should know a few things about your online dashboard.
Your Healthy Retirement Index score represents how well-funded you are for retirement. It's like a credit score. And it helps us quickly understand how well we can meet your needs.
In order to give you an accurate score, abri distinguishes your required expenses and your desired expenses.
Using your required and desired expenses, abri calculates your Healthy Retirement Index score. Your score could fall into four categories:
The LifePath takes you on a virtual walk through time that shows you how your existing portfolio and various income streams will work for you throughout retirement. You can see changes in asset balances, beginnings or endings of different income streams (such as social security or defined benefits.) It also shows you how these sources of income will cover different expenses. If your Healthy Retirement Index falls between 100-124, you can view a detailed look at the range of desired income. Overall, your LifePath reveals where your money is going, where it's coming from, and how much you have left at different points in time throughout your retirement.
Your estimated timeline is your estimated life expectancy (joint life expectancy if married) with a conservative cushion. This is important because it shows you how many years you are expected to live compared to how many years your portfolio is expected to last. It also allows us to account for things like bequeath motives and charitable-giving causes. These figures are based on actuarial statistics derived from American demographic and socio-economic statuses.
Start the process by filling out the form below to view your custom retirement portfolio. Congratulations, you’re one step closer to starting your worry-free retirement!