Investing with MTC

Tried and True and All About You.

In 2004, Members Trust Company, our parent company, became one of the first trust companies in the United States to adopt the use of ETFs in portfolio design with the objective of providing the benefits of lower cost and tax efficiency to investing clients. Since then, we have been recognized by Forbes and Morningstar for investment strategies that manage both risk and return.

A Thoughtful and Ethical Approach to Investing

  • Thoughtful and Impactful

    We are committed to helping investors achieve their long-term financial goals through a thoughtfully-designed, strategic asset allocation framework that reflects our long-term expectations for capital market return and risk outcomes.

  • Transparent

    Our parent company, Members Trust Company, claims compliance with GIPS® standards. Members Trust Company’s commitment to the fair representation and full disclosure of investment performance is wholly adopted by Members Trust Company Wealth Management.

  • Non-Proprietary

    We receive no compensation for investing in any particular ETF, as we do not create or market our own ETFs to be used within our portfolios.

  • Opportunistic

    Our Investment Policy Committee meets regularly to analyze global market conditions to identify temporary market pricing distortions, that could warrant an OPPORTUNISTIC OVERLAY to our strategic asset allocation, that could help achieve enhancement to risk-adjusted returns.

Our Portfolio Strategies

  • Income Focus ETF Strategy

    The Income ETF Strategy includes all discretionary investment portfolios with an Equity target allocation of 25% and Fixed Income target allocation of 75%. The Income Focus model invests in exchange-traded funds, while seeking to maximize current income and provide some opportunity for capital growth through participation in the U.S. and international equity markets.

  • Conservative ETF Strategy

    The Conservative ETF Strategy includes all discretionary investment portfolios with an Equity target allocation of 40% and Fixed Income target allocation of 60%. The Conservative model invests in exchange-traded funds that seek current income, while providing capital growth through participation in the U.S. and international equity markets

  • Balanced ETF Strategy

    The Balanced ETF Strategy includes all discretionary investment portfolios with an Equity target allocation of 50% and Fixed Income target allocation of 50%. The Balanced model invests in exchange-traded funds that seek current income, with the opportunity for capital growth through participation in the U.S. equity markets.

  • Balanced 60/40 ETF Strategy

    The Balanced 60/40 portfolio seeks to provide current income, with the opportunity for capital growth through participation in the US and international equity markets. This portfolio contains a 60% Equity allocation and a 40% Fixed Income allocation.

  • Moderate Growth ETF Strategy

    The Moderate Growth ETF Strategy includes all discretionary investment portfolios with an Equity target allocation of 70% and Fixed Income target allocation of 30%. The Moderate Growth model invests in exchange-traded funds that seek long-term growth of capital with a limited level of current income.

  • Moderate Growth 80/20 ETF

    Moderate Growth 80/20 ETF includes discretionary investment portfolios with a Fixed Income target allocation of 20% and Equity target allocation if 80% that invest in exchange traded funds seeking long term growth of capital with a minor level of current income.

  • Growth ETF Strategy

    The Growth ETF Strategy includes all discretionary investment portfolios with an Equity target allocation of 90% and Fixed Income target allocation of 10%. The Growth model invests in exchange-traded funds that seek long-term growth through participation in the U.S. and International equity markets.

Non-deposit investment products available through Members Trust Company are not deposits of or guaranteed by the trust company, a credit union, or credit union affiliate, are not insured or guaranteed by the NCUA, FDIC or any other governmental agency, and are subject to investment risks, including possible loss of the principal amount invested. This is for educational purposes only and is not intended to provide legal or tax advice regarding your situation. For legal or tax advice, please consult your attorney and/or accountant.

We're in the Business of Growing Your Business.

Our Investment Team manages over $4 billion in assets for 96 credit union partners and their affiliated Financial Advisors. We believe that knowledge, experience, and continuing education are a priority in delivering cutting edge products, services, and support. Thus, we make it a priority to invest in our team so we can invest in YOU. We would welcome the opportunity to support your efforts in serving your relationships, provide direct access to our experienced Investment Team, share our insights on the markets and portfolios, and as a fiduciary, ensure that we are always putting your clients’ financial well-being first.

Patient and Opportunistic

Through the collaborative work of MTC’s Investment Policy Committee, MTC Wealth Management builds portfolio strategies that are aligned to each investor’s unique return objectives and risk tolerances. The portfolios are based on a strategic asset allocation framework that reflects MTC’s long-term expectations for capital market return and risk outcomes. Thus, they are built with the belief that PATIENCE LEADS TO OPPORTUNITY. Also, the IPC meets regularly to analyze market conditions to identify temporary market pricing distortions, that could warrant an OPPORTUNISTIC OVERLAY to our strategic asset allocation, that could help achieve enhancement to risk-adjusted returns.

Our Investment Philosophy

  • Clients Come FirstInvestments made in accordance with the highest level of fiduciary standards.

  • Patience Leads to Opportunity Strategic asset location to minimize risk and maximize returns over time.

  • Markets are Efficient Dynamic portfolio management, driven by research and opportunistic rebalancing.

  • Real Returns Matter Holistic approach to investing focused on acheiving client goals.

Your Platform is Our Priority.

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Members Trust Company (MTC) claims compliance with the Global Investment Performance Standards (GIPS®). GIPS® is a registered trademark of CFA Institute. CFA Institute does not endorse or promote this organization, nor does it warrant the accuracy or quality of the content contained herein. To obtain GIPS-compliant performance information for the firm’s strategies and products, please contact Investments@memberstrust.com