MTC Dynamic Income

A versatile investment portfolio to generate income in a variety of market cycles.

When Certainty and Income Fade

For decades, Members Trust Company has helped investors navigate changing markets with disciplined, transparent strategies built on fiduciary care. The MTC Dynamic Income Strategy extends that commitment as a high-conviction, multi-asset portfolio designed to generate enhanced income potential through an adaptive, research-driven framework.

Created in response to income rising income and diversification uncertainties, Dynamic Income seeks to help advisors achieve client income objectives amid shifting rate cycles and policy environments.

Designed for Financial Advisors and Their Clients

The Dynamic Income Strategy was developed with advisor collaboration in mind.
It offers a turnkey, committee-managed solution that complements your practice while maintaining transparency, liquidity, and cost efficiency.

  • Outcome-based: Focused on maximizing income while managing downside risk

  • Committee-driven: Managed by the MTC Investment Policy Committee

  • ETF-centric: Transparent, liquid, and cost-efficient implementation

  • Open architecture: No proprietary funds, ensuring objectivity and alignment with fiduciary standards

Key Highlights:

A Dynamic “Core–Satellite” Portfolio Design

The portfolio combines Global Equities, Global Fixed Income, and Alternatives asset classes through a disciplined structure that adapts across market cycles while maintaining a strong risk-management lens.

Enhanced Core

The foundation of the portfolio emphasizes visible income prospects and portfolio stability through diversified, investment-grade fixed income exposures.

High-Conviction Satellites

A focused set of “best-idea” investments to enhance income and diversification, including Global Equity Income, High Yield, Preferreds, Alternative Credit, and Equity Derivatives.

Investment Process

Dynamic Income follows a systematic and repeatable process that blends data-driven insights with fundamental research.

  • Universe Screening – Identify ETF candidates based on income prospects, liquidity, scale, and cost.

  • Valuation Progression – Evaluate valuations relative to historical averages.

  • IPC Research Overlay – Conduct in-depth fundamental analysis for asset classes and securities.

  • Satellite Selection – Choose “best-idea” exposures to position for current opportunities.

  • Opportunistic Allocation – Dynamically adjust between Core and Satellite exposures as market conditions evolve.

  • Dynamic Income Portfolio – Bring the research, selection, and allocation steps together in a cohesive portfolio designed to support a disciplined income approach.

Portfolio Characteristics

The MTC Advantage

As the first trust and investment firm owned by credit unions, Members Trust Company combines Main Street values with Wall Street expertise.

  • Acting with the highest standard of loyalty and care in every decision.

  • Objective ETF and manager selection with no proprietary products.

  • 35+ years of trust and investment experience, $4.4 billion in assets under management, and partnerships with more than 100 credit unions nationwide.

  • A tenured team of professionals including six CFA® charterholders and over 190 years of combined experience overseeing MTC strategies.

The MTC Dynamic Income Strategy
is available exclusively through
Members Trust Company advisory relationships.

To explore how Dynamic Income can enhance your clients’ portfolios, contact our Investment Services team at (888) 727-9191

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Disclosures: This information is provided for educational purposes only and should not be construed as investment, legal, or tax advice. Investment products offered through Members Trust Company are subject to market risk, including possible loss of principal. For advice specific to your situation, please consult your attorney or tax professional