Our process

Your Cuna Mutual Group Fiduciary Consultant oversees your Cuna Mutual Group retirement plan Institutional Program investment portfolio through every step of the investment selection and monitoring process.

Step 1: Evaluate your credit union and objectives

Your team meets with your Cuna Mutual Group Fiduciary Consultants to examine:

• Goals
• Employee demographics
• Investment policy
• Risk tolerance and parameters
• Portfolio holdings and objectives

Step 2: Update investment strategies & policy statement (IPS)

Your fiduciary consultant works with you to update investment strategies and IPS to meet your objectives under current market conditions.

Step 3: Implement the strategy, your way

You have the flexibility to choose between two approaches to co-fiduciary protection:

• 3(21) Co-fiduciary “Help me do it.” — Your fiduciary consultant provides advice; you control investment decisions
• 3(38) Co-fiduciary “Do it for me.” — Your fiduciary consultant makes investment decisions on your plan’s behalf

Step 4: Monitor performance & due diligence

Your fiduciary consultant:

• Monitors your portfolio
• Provides quarterly reports
• Documents due diligence to examiners by detailing investment performance and oversight activity

Repeat steps 2 – 4 annually