PenChecks Trust Company of America currently does not engage in the practice of investment management either at the macro level of asset allocation or to the micro level of individual stock analysis. Our investment management is limited to cash management and preservation of principal; in all cases following the Department of Labor Safe Harbor Standard of Investing as it relates to Default / Missing Participant IRAs and Taxable Savings Accounts.

Our Cash Management Investment Policy Statement established by the Board of Directors of PenChecks, Inc. and adopted by the Board of Advisors for PenChecks Trust Company of America dictates the type of asset and level of risk that maybe used (click here)

With regards to our private label traditional IRA programs, the investment strategy for those programs are individually determined and agreed upon between PTCA and the provider of the investment program.