Created by a CFP® (Certified Financial Planner TM) serving investors as a fiduciary, meaning we’re required to put our client’s best interests first. Retain the Gains uses "Limited Downside Protection" ETFs from Innovator, FIA and Dimensional Funds to construct portfolios that are low cost, participate in the markets and have guaranteed lifetime income.
UPUL Fact Sheet
UJUL Fact Sheet
Understanding Buffer Investments
Defined outcome investing is a strategy that tries to reduce volatility by offering preset protection (buffer) and return levels (cap). That makes the Buffer portfolios defined outcome investing similar to annuities, like Brighthouse Shield and Allianz Index Advantage. But defined outcome portfolio investing also offer ETFs' benefits of transparency, liquidity and lower costs.
Liquid Grow with Downside Protection
Using Innovator ETFs, FIA & Dimensional funds to constructed low cost index based portfolios with low minimum investments and available guaranteed lifetime income options.
Dimensional index funds & Innovator ETFs have one of the industry's lowest expense ratio. The FIA we use have no annual fees.
Adding Value over Benchmarks
Dimensional Funds (DFA) goal is to add value over index benchmarks through academic proven processes. DFA structures portfolios to target higher expected returns
Backed by Years of Research
Buffer Portfolios focuses on the advantages of stocks, small company, value, lower credit bonds, longer maturity bonds and high profitable companies to invest in.
Only 18% of equity and fixed income funds that were around at the start of 2002 beat their Morningstar Category index, 15 years later. Over the same time period, 83% of equity and fixed income Dimensional funds outperformed their prospectus benchmarks.
JS Financial Capital Management, Inc. (JSFCM) is a registered investment adviser offering advisory services in the State(s) of Illinois and in other jurisdictions where exempted. Registration does not imply a certain level of skill or training. The presence of this website on the Internet shall not be directly or indirectly interpreted as a solicitation of investment advisory services to persons of another jurisdiction unless otherwise permitted by statute. Follow-up or individualized responses to consumers in a particular state by JSFCM in the rendering of personalized investment advice for compensation shall not be made without our first complying with jurisdiction requirements or pursuant an applicable state exemption. JSFCM advises Buffer Portfolios and is an independent, fee-based, investment advisory firm. All types of marketable securities are utilized in meeting client financial objectives but low-cost index funds, Dimensional Funds, Exchange Traded Funds, are favored. Buffer's custodian, Interactive Brokers and E*Trade, are members of FINRA and SIPC. Securities in your account are protected up to $500,000. Investments: Not FDIC Insured • No Bank Guarantee • May Lose Value. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. Please consider your objectives and Buffer’s fees before investing. Past performance does not guarantee future results. Investment outcomes and projections are hypothetical in nature. Not an offer, solicitation of an offer, or advice to buy or sell securities in jurisdictions where Buffere/JSFCM is not registered. Dimensional Fund Advisors LP is separate company from Buffer Portfolios.com & JSFCM which are an approved Dimensional Fund Advisor.
Investing involves risks. Principal loss is possible. The Fund's return may not match the return of the Index. Along with general market risks, an ETF that concentrates its investments in the securities of a particular industry, market, sector, or geographic area may be more volatile than a fund that invests in a broader range of industries. Additionally, the Fund may invest in securities that have additional risks. Foreign companies can be more volatile, less liquid, and subject to the risk of currency fluctuations. This risk is greater for emerging markets. Small- and mid-cap companies can have limited liquidity and greater volatility than large-cap companies. Also, ETFs face numerous market trading risks, including the potential lack of an active market for Fund shares, losses from trading in secondary markets, periods of high volatility and disruption in the creation/ redemption process of the Fund. Unlike mutual funds, ETFs may trade at a premium or discount to their net asset value. ETFs are bought and sold at market price and not individually redeemed from the fund. Brokerage commissions will reduce returns. Nothing on this website should be considered a solicitation to buy or an offer to sell shares of any Fund in any jurisdiction where the offer or solicitation would be unlawful under the securities laws of such jurisdiction.
The Fund's investment objectives, risks, charges and expenses should be considered before investing. The prospectus contains this and other important information, and it may be obtained at innovatoretfs.com. Read it carefully before investing. ¹Cap shown is before fees and expenses. *Fees and Expenses: The Fund's management fee of 0.79%, any shareholder transaction fees and any extraordinary expenses.
There is no assurance that the fund will achieve its investment objectives.
Investors are subject to an upside return Cap that represents the maximum percentage return an investor can achieve from an investment in the Fund for the Outcome Period. Therefore, even though a Fund's returns are based upon the S&P 500, if the Fund experiences returns for the Outcome Period in excess of the Cap, you will not experience those excess gains but will remain vulnerable to significant downside risks. Regardless of the performance of the S&P 500, the Cap is the maximum return an investor can achieve from an investment in the Fund for the Outcome Period. The Cap will change from year-to-year based upon prevailing market conditions at the beginning of the Outcome Period. The Cap, and the Fund's position relative to it, should be considered before investing in the Fund.
Similarly, the buffer that the Funds seek to provide is only operative against the percentage (i.e. 9%, 15% and 30%) of S&P 500 losses for the applicable Fund's Outcome Period. If an investor is considering purchasing shares during the Outcome Period, and the Fund has already decreased in value by an amount equal to or greater than its buffer, an investor purchasing shares at that price will have increased gains available prior to reaching the Cap but may not benefit from the buffer that the Fund seeks to offer for the remainder of the Outcome Period. Conversely, if an investor is considering purchasing Shares during the Outcome Period, and the Fund has already increased in value, then a shareholder may experience losses prior to gaining the protection offered by the buffer. After the S&P 500 has decreased in value by more than a Fund's buffer during an Outcome Period, the Fund will experience any subsequent losses on a one-to-one basis. There is no guarantee that a Fund will be successful in its attempt to provides buffered returns. The Funds shares will be listed for trading on the CBOE BZX Exchange. The Funds will not terminate after the conclusion of an Outcome Period. After the conclusion of an Outcome Period, another will begin. Nothing on this website should be considered a solicitation to buy or an offer to sell shares of any Fund in any jurisdiction where the offer or solicitation would be unlawful under the securities laws of such jurisdiction.
The Fund's investment objectives, risks, charges and expenses should be considered before investing. The prospectus contains this and other important information, and it may be obtained at innovatoretfs.com. Read it carefully before investing.
Innovator ETFs are distributed by Foreside Fund Services, LLC and not affiliated with Buffer Portfolios or JSFCM.