Managed Accounts

Investing can be a great way to reach your retirement goals. Our Journey Series Managed Accounts provide three investment options—each with their own unique features to provide the potential to grow your money.

Where would you like to start?

CoMPAS

A CoMPAS account can help you stay on the right course to financial freedom.

What is it?

CoMPAS is a popular managed account in our Journey Series.

It can help you build wealth by investing in professionally selected no-load mutual funds. You can use the CoMPAS account for a retirement plan or for a non-retirement account, and it’s available with an initial minimum of $25,000.

If you need some direction when it comes to investing, a CoMPAS managed account might be the answer.

How does it work?

In order to help you determine your investment strategy, we will need to identify your risk tolerance and your time horizon. Your risk tolerance tells us how much risk you’re comfortable with, while your time horizon tells us how long you’ll probably be investing the money.

After that, our investment professionals buy, sell, and monitor no-load mutual funds based on your investment strategy.

What's in it for you?

Diversification

You’ll get an account made up of diversified funds to help reduce risk.

No-load mutual funds

The no-load mutual funds in your account are based on your chosen investment strategy.

Professional management

We monitor mutual funds to ensure that those we select continue to  meet our criteria.

Incentive to grow your account

Our compensation is tied to the value of your portfolio so we have an incentive to grow the value of your account and not "churn" it.

Automatic rebalancing

Periodically, your account is automatically rebalanced to help keep it in line with your investment strategy.

Online account access

You’ll have online account access so you can monitor your investments anytime.

Investments based on your chosen strategy

Depending on your investment strategy, we’ll invest in:

  • Stock funds for long-term growth
  • Bond funds for potential income and stability
  • Tax-exempt bond funds if  you’re in a high tax bracket
  • Alternative investments for greater diversification and return potential

Stay informed

You’ll get detailed quarterly statements so you can see what’s going on in your account.

Focus

Put your future into focus with an investment strategy personally designed for your financial goals.

What is it?

As part of our Journey Series, a Focus managed account gives you a diversified portfolio of individual stocks and Exchange Traded Funds (ETFs).

Like all our Journey Series of managed accounts, you can use this as a retirement account or non-retirement account. Focus is available with a suggested minimum of $350,000 and it provides a level of investment management normally reserved for people with higher assets.

As you're building for your financial future, consider the power of a Focus managed account to benefit from diversification without the complexity of managing multiple accounts on your own.

How does it work?

First, we will help you determine how much risk you’re comfortable taking with your money and what your financial goals are. That helps us create your investment strategy.

Then our investment professionals go to work, creating a portfolio of investments based on your strategy.

What's in it for you?

Team of experts working for you

You’ll have a team of experts taking care of your account, including:

  • Portfolio managers, who invest and manage your money
  • Your COUNTRY Financial® representative, who’s your local, go-to contact
  • When appropriate, advanced planners who can work with your attorney and/or accountant

Access to decision-makers

When you have a Focus account, you'll have portfolio review opportunities with your representative and a member of our Private Wealth Group.

Individually selected stocks

Based on your investment strategy, you’ll get individually selected stocks – up to 50 in your portfolio.

Tax status

For non-retirement accounts, there are potential tax benefits.

Investments based on your personal strategy

Your asset allocation will match your risk tolerance and timeline. 

Flexibility

Additions and withdrawals are allowed at any time. Depending on the situation and when withdrawals are made, withdrawals from some retirement plans may result in taxes, fees and penalties.

Automatic rebalancing

Periodically, your account is automatically rebalanced to help keep it in line with your investment strategy.

Stay informed

Your quarterly statements are detailed so you can see at a glance what’s been happening in your account.

Incentive to grow your account

Our compensation is tied to the value of your portfolio so we have an incentive to grow the value of your account and not "churn" it.

Online account access

You’ll have online account access so you can monitor your investments anytime.

Vision

Choosing someone to invest your money for you is an important decision, and not one to be taken lightly. Take a look at what a Vision account has to offer you.

What is it?

You’ve worked hard to accumulate your wealth, so choosing an investment manager isn’t a decision to be made lightly.

With a long history of investing our clients’ money, we’d like the opportunity to talk to you about how a Vision managed account could meet your investment management needs.

Vision is the top investment management service in our Journey Series. It’s for individuals and businesses with a minimum investment of $1 million.* 

With a Vision managed account, you’ll get an investment portfolio designed just for you. Based on your situation, the following types of investments may be used  to build that portfolio: stocks, bonds, no-load mutual funds, exchange traded funds (ETFs), CDs, and your existing marketable securities (if applicable).

When we’re done, you’ll have a true portfolio, not just a collection of investments. The difference is subtle, but very important.Each investment in your Vision portfolio is chosen to play a specific role that collectively provides diversification, liquidity, and return potential – all based on your specified risk tolerance, time horizon and objectives.

*Individual Journey Series Accounts (with a minimum investment of $1,000 each) can be aggregated to meet the $1 million minimum. 

How does it work?

Because your Vision managed account is built around you, we work to thoroughly understand your objectives, what you want – and what you don’t want. After our in-depth discussion, we’ll establish an individual portfolio based on your goals and the information you provide.

Risk tolerance

This will help ensure you don’t assume too much or too little risk.

Time horizon

We need to determine how long you’ll be investing. Tied to your risk tolerance, the longer you have to invest, the more aggressive you can generally afford to be.

Cash needs

For example, if you think you’ll need some or all of the money by a certain date, or you’d like to schedule distributions on a regular basis.

Tax status

Tax status, because the more money you have, the more complicated your tax picture.

What's in it for you?

Team of experts working for you

You’ll have a team of experts taking care of your account, including:

  • Portfolio managers, who invest and manage your money
  • Your administrator, who addresses the technical aspects of your account
  • Your COUNTRY Financial® representative, who’s your local, go-to contact
  • When appropriate, advanced planners who can work with your attorney and/or accountant

Customized portfolio

Your portfolio is customized, with investments individually selected based on your preferences and specifications.

Stocks, mutual funds and other securities used in your portfolio are approved by a team of our investment pros. For stocks, each member of our investment area follows a specific industry (like utilities or technology) and makes buy, hold, and sell recommendations based on their industry expertise.

Access to decision-makers

When you have a Vision account, you have access to your portfolio manager so you can truly understand the investment decisions we are making and how they can be better for your investment strategy.

Tax status

For non-retirement accounts, there are potential tax benefits.

You don't have to handle paperwork

We collect income from your investments, monitor changes, and make sure all your assets work for you. And, our comprehensive record keeping gives you one report so you don’t have to track your investments for tax purposes.

Flexibility

Additions and withdrawals are allowed at any time, although withdrawals from some retirement plans may result in taxes, fees and penalties.

Incentive to grow your account

Our compensation is tied to the value of your portfolio so we have an incentive to grow the value of your account and not "churn" it.

Stay informed

Your quarterly statements are detailed so you can see at a glance what’s been happening in your account.

Online account access

You’ll have online account access so you can monitor your investments anytime.

Ready to start?

Talk to a COUNTRY Financial representative to get more details and review the pros and cons of your options.

COUNTRY Financial® is the marketing name for the COUNTRY Financial family of affiliated companies (collectively, COUNTRY), which include COUNTRY Life Insurance Company®, COUNTRY Mutual Insurance Company®, and their respective subsidiaries, located in Bloomington, Illinois.

NOT FDIC-INSURED

May lose value

No bank guarantee

Investment management, retirement, trust and planning services provided by COUNTRY Trust Bank®. 

Investing involves risks, including the possible loss of principal. 

For product and service information, read our Terms and Conditions.

Diversification and rebalancing do not assure a profit or protect against loss in a declining market.

COUNTRY Financial and our representatives cannot give tax advice. See your tax advisor regarding your specific tax situation.