Pure Benchmarks · Portfolio Benchmark Report
Is Your Patelco Credit Union Investments Portfolio Underperforming?
Patelco Credit Union Investments offers member investing through an outside broker-dealer, adding a referral layer on top of fund expenses.
Pure Benchmarks ranks real Patelco Credit Union 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 Patelco Credit Union Investments portfolio ranks against other real Patelco Credit Union 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 Patelco Credit Union Investments portfolio can lag a pure index baseline
The referred-program markup. Investment services offered through a credit union are typically run by a third-party broker-dealer program. That referral layer can add advisory and product fees on top of the underlying fund costs, creating drag against a simple index baseline.
What to review on a Patelco Credit Union Investments portfolio
- Confirm whether advisory and product fees layer over the fund costs inside the account.
- Compare the program allocation with a diversified index over time.
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 Patelco Credit Union Investments portfolio stands.
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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.