What are the advantages of CITs for advisors, consultants, and plan sponsors?

  • May lower fees. By ensuring access to CITs, advisors can support plan sponsors and participants by maximizing every dollar the participant puts aside for retirement.
  • A streamlined process.  By employing CITs as part of the solution, advisors can use their buying power to streamline their work with clients and a single manager for a strategy.
  • Addressing potential fiduciary risk.  Advisors can help plan sponsors by conducting thorough due diligence on the types of investment vehicles that are potentially available to the plan and ensuring that the plan has documented why they chose a particular vehicle.

Learn more about what a CIT is, how investing in a CIT is different from investing in a mutual fund, and how advisors can assist plan sponsors with the selection of CITs.

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Disclosures

This material is for educational purposes only and is not intended as an offer, recommendation or solicitation for the sale of any financial product or service or as a determination that any investment strategy is suitable for a specific investor. There is no assurance that any investment strategy will be successful. The information in this material has been obtained from sources believed to be reliable, but its accuracy and completeness are not guaranteed. Opinions, estimates and projections constitute the judgment of Wilmington Trust and are subject to change without notice.

There is no assurance that any investment strategy will be successful. Investing involves risk and you may incur a profit or a loss.

Wilmington Trust, N.A. Collective Investment Funds (“WTNA Funds”) are bank collective investment funds; they are not mutual funds. Wilmington Trust, N.A. serves as the Trustee of the Wilmington Trust Collective Investment Trust and maintains ultimate fiduciary authority over the management of, and investments made in, the WTNA Funds. The WTNA Funds and units therein are exempt from registration under the Securities Act of 1933, as amended, and the Investment Company Act of 1940, as amended. Investments in the WTNA Funds are not deposits or obligations of or guaranteed by Wilmington Trust, and are not insured by the FDIC, the Federal Reserve, or any other governmental agency. The WTNA Funds are commingled investment vehicles, and as such, the values of the underlying investments will rise and fall according to market activity; it is possible to lose money by investing in the WTNA Funds. Participation in Collective Investment Trust Funds is limited primarily to qualified retirement plans and certain state or local government plans and is not available to IRAs, health and welfare plans, and certain Keogh plans. Collective Investment Trust Funds may be suitable investments for participants seeking to construct a well-diversified retirement savings program. Investors should consider the investment objectives, risks, charges and expenses of any pooled investment company carefully before investing. The Additional Fund Information and Principal Risk Definitions (PRD) contains this and other information about a Collective Investment Trust Fund and is available at https://www3.wilmingtontrust.com/content/dam/wtb-web/pdfs/2021AddtlFundInformationBooklet.pdf or ask for a copy by contacting Wilmington Trust, N.A. at (866) 427-6885.