Pure Benchmarks · Portfolio Benchmark Report
Is Your Guideline Retirement Portfolio Underperforming?
Guideline Retirement administers employer-sponsored plans, where a bounded fund menu and default options constrain the mix.
Pure Benchmarks ranks real Guideline Retirement 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 Guideline Retirement portfolio ranks against other real Guideline Retirement 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 Guideline Retirement portfolio can lag a pure index baseline
The default-menu ceiling. Workplace plans limit choices to a set menu and often default balances into a single target-date fund. Convenient defaults and a bounded fund list can quietly hold the allocation away from a broad low-cost index baseline.
What to review on a Guideline Retirement portfolio
- Check whether the balance is sitting in a default target-date fund rather than a chosen allocation.
- Look at how the plan-menu allocation compares with a broad low-cost index baseline.
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 Guideline Retirement portfolio stands.
One clean report against a pure index baseline. No email required.
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Answer the bigger questions
- Is Your Financial Advisor Doing a Good Job?
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- The Financial Advisor Decision Tracker Built for the Client
- Did Your Financial Advisor Make the Right Decisions?
This 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.