Many 401k platforms limit investment choices to high fee, often poor-performing, mutual funds presented by the major brokerage firms and insurance companies. Some plans use share classes that hide administrative and sales charges via inflated fund expenses that crush returns and harm employee account balances. We have put together a 401k investment platform with one goal in mind: maximizing the wealth of all employees. Some key features include:
Low-Cost, No-Load Index Funds: Our platform presents a wide range of low-cost, no-load index mutual funds through which you and your colleagues can gain diversified exposure to the broad market, sub-divisions of the broad market such as large-, mid-, and small-cap, and/or individual industries such as health and tech.
Model Portfolios: To simplify the investment process, we present six model portfolios with asset allocations appropriate for risk profiles from very conservative to very aggressive. These portfolios make it easy for employees to make a single selection appropriate to their goals and risk tolerance, with automatic rebalancing that instills discipline and reduces the average cost of purchases.
Brokerage Account Option: For employees who prefer individual stocks and bonds to funds, our plans include a brokerage account option. Plan participants can self-manage or ask us to manage the account.
Direct Access to Portfolio Managers: You and your colleagues are not out on a lurch. Any of you can contact any of our portfolio managers at any time for help with investments. This help is not limited to the 401k plan. We can assist with holdings in any account held anywhere at no extra charge. It is our pleasure.