The Acumen EDGE Funds
(And how can it benefit your organization)
High-Yield. Low-Volatility. Your Idle Assets, Reimagined.
In a market where traditional investment options continue to fall short, Acumen EDGE Funds
represent a game-changing opportunity for credit unions and mission-driven institutions to
reclaim performance without increasing risk.
Purpose-built for this sector, this private, insurance backed funds solution is not just another
investment vehicle, it’s one of the only structured solutions of its kind—specifically designed to
help organizations turn dormant reserves into fixed, reliable income. And it’s only available
through Acumen Financial Advantage.
Earnings Designed for Growth and Engagement
Acumen EDGE Funds offer investment opportunities with target returns based on fund selection by reallocating capital from low-performing assets or underwater securities. With no operational burden and full
alignment with NCUA guidelines, these funds offer a compliant, streamlined way to boost return
on assets and unlock funding for high-priority initiatives.
How It Works:
- Reallocate underperforming reserves; no new capital required
- Invest in private funds backed by "A+" rated life insurance carriers
- Choose from:
- 3-Year Fund: Target 8% fixed annual return
- 5-Year Fund: Target 10% fixed annual return
- 3-Year Fund: Target 8% fixed annual return
- Earn income quarterly; principal returned at maturity
- Bonus-enhanced options available to offset losses or restructure portfolios
- Fully audited and structured to comply with CDA and EBP regulatory frameworks
Key Benefits:
- Quarterly income, backed by structured policy design
- Ideal for CDAs, benefit plan funding, and ROA improvement
- No disruption to operations — Acumen handles implementation and oversight
- Transparent structure — audited with ongoing performance monitoring
- Fast, data-driven evaluation — we use your call report to model outcomes
Who is the Acumen EDGE Funds ideal for?
- Credit unions with $200M+ in assets
- CFOs managing CDAs or employee benefit liabilities
- Institutions seeking alternatives to COLI, annuities, or low-yield investments
- Organizations looking to improve income, liquidity, or return on assets
Why Now?
- Margin compression is real. Underperforming assets and underwater securities are
dragging down returns. - Member growth doesn’t fix ROA. The yield gap can’t be closed with growth alone.
- New use cases are emerging. Charitable giving, benefit prefunding, and portfolio
restructuring are top priorities for finance teams. - A unique solution to a common challenge. Acumen EDGE offers a specialized solution designed specifically for mission-driven institutions.
- You don’t need to wait. Funds are available now, and the process is streamlined.
Real-World Results
- A credit union reallocates $20M from a legacy 3% investment to Acumen EDGE’s 10%
fund - Annual income grows by $1.4M—with no additional risk or operational lift
- Outcome: Enhanced liquidity, higher yield, and a measurable ROA improvement
Let’s Run the Numbers for You
With your call report, we can help evaluate potential investment opportunities based on your specific situation. Past performance does not guarantee future results. Investment involves risk, including possible loss of principal.
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