Pure Benchmarks · Portfolio Benchmark Report
Is Your New York Life Investments Portfolio Underperforming?
New York Life Investments offers insurance-based investment products, where annuity and policy wrappers can carry rider, mortality, and expense charges over the underlying sub-accounts.
Pure Benchmarks ranks real New York Life Investments 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 New York Life Investments portfolio ranks against other real New York Life Investments 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 New York Life Investments portfolio can lag a pure index baseline
The wrapper-cost stack. Insurance and annuity wrappers can layer rider charges, mortality and expense fees, and surrender terms on top of the expense ratios of the sub-accounts inside them. Each layer is easy to miss, and together they can widen the gap against a plain index baseline over time.
What to review on a New York Life Investments portfolio
- Check whether rider, mortality, and expense charges are layered on top of the underlying sub-account costs.
- Look at how the wrapped allocation has tracked a plain index baseline, net of all layers.
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 New York Life Investments portfolio stands.
One clean report against a pure index baseline. No email required.
See Your Free Benchmark ReportCompare other firms
- Is your Northwestern Mutual Investments portfolio underperforming?
- Is your MassMutual Investments portfolio underperforming?
- Is your Prudential Financial portfolio underperforming?
- Is your Lincoln Financial portfolio underperforming?
- Is your Transamerica Investments portfolio underperforming?
- Is your Nationwide Investments portfolio underperforming?
New here? Read the Pure Benchmarks blog or the portfolio benchmarking FAQ.
Answer the bigger questions
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.