Pure Benchmarks · Portfolio Benchmark Report
Is Your PenFed Wealth Management Portfolio Underperforming?
PenFed Wealth Management runs a referred investment program, where advisory and product fees can layer over the underlying fund costs.
Pure Benchmarks ranks real PenFed Wealth Management 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 PenFed Wealth Management portfolio ranks against other real PenFed Wealth Management 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 PenFed Wealth Management 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 PenFed Wealth Management portfolio
- Check whether a third-party program fee is charged on top of the underlying fund expenses.
- Look at how the referred allocation compares with a plain 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 PenFed Wealth Management portfolio stands.
One clean report against a pure index baseline. No email required.
See Your Free Benchmark ReportCompare other firms
- Is your Navy Federal Investment Services portfolio underperforming?
- Is your Pentagon Federal Investments portfolio underperforming?
- Is your BECU Investment Services portfolio underperforming?
- Is your SchoolsFirst Federal Credit Union Investments portfolio underperforming?
- Is your UBS Wealth Management portfolio underperforming?
- Is your Northwestern Mutual portfolio underperforming?
New here? Read the Pure Benchmarks blog or the portfolio benchmarking FAQ.
Answer the bigger questions
- Is Your Financial Advisor Doing a Good Job?
- What If You Had Switched Financial Advisors?
- How Do You Know If Your Portfolio Changes Worked?
- Can You Track Your Financial Advisor's Decisions?
- Are Your Financial Advisor's Decisions Working?
- How to Tell If Your Advisor Is Making Good Investment Decisions
- 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.