Pure Benchmarks · Portfolio Benchmark Report
Is Your Ameriprise Portfolio Underperforming?
Ameriprise is an advisor-based financial planning firm, where managed accounts combine planning services with product and advisory fees.
Pure Benchmarks ranks real Ameriprise portfolios against thousands of other verified investor portfolios across nine standardized risk categories, from 100% equity to 90% fixed income. Every portfolio is recategorized daily from actual end-of-day holdings, and Community Nests shows exactly where your Ameriprise portfolio ranks against other real Ameriprise clients in the same risk category — built entirely from verified portfolio data, with no firm that manages money able to see any data point on the platform.
Why your Ameriprise portfolio can lag a pure index baseline
The full-service fee stack. Full-service advisory models layer an advisory fee on top of managed-product expense ratios and commission-driven product selection. Each layer is small on its own, but together they create a structural cost drag that compounds against a low-cost index baseline year after year.
What to review on a Ameriprise portfolio
- Check whether planning and advisory fees are layered on top of the expense ratios of the recommended funds.
- Look at how the managed allocation compares with holding a simple index baseline directly.
Illustrative 10-year comparison — a standard managed portfolio versus a pure index baseline. Figures are illustrative only.
| Year | Standard managed portfolio | Pure index baseline | Gap |
|---|---|---|---|
| Year 1 | $105,200 | $107,000 | -$1,800 |
| Year 3 | $116,400 | $122,500 | -$6,100 |
| Year 5 | $128,700 | $140,300 | -$11,600 |
| Year 7 | $142,300 | $160,600 | -$18,300 |
| Year 10 | $165,100 | $196,700 | -$31,600 |
See exactly where your Ameriprise portfolio stands.
One clean report against a pure index baseline. No email required.
See Your Free Benchmark ReportThis page is an information baseline for comparison only. It is not investment advice and not a recommendation to buy, sell, replace, or transfer any specific asset, account, or firm. Past performance does not guarantee future results. All figures shown are illustrative.