Pure Benchmarks · Portfolio Benchmark Report
Is Your Sammons Financial Group Portfolio Underperforming?
Sammons Financial Group is an insurance-based platform, where wrapper costs and surrender terms sit on top of the sub-account expense ratios.
Pure Benchmarks ranks real Sammons Financial Group 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 Sammons Financial Group portfolio ranks against other real Sammons Financial Group 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 Sammons Financial Group 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 Sammons Financial Group 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 Sammons Financial Group 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.