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Instant diversification? You’re not doing it right.

74% of participants say that they have a little bit invested in each option in their 401(k) plan, including target date funds.

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Questions about proper diversification? You’re not alone.

More than 20% of participants say they have no idea how best to diversify a retirement account.

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Do you have better things to do than watch your investments?

52% of participants indicated they don’t have the time, knowledge, or experience to manage their own 401(k) portfolio.

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Unintended consequence?

With no rebalancing, the asset allocation of a 40% Equity/60% Bond portfolio over 5 years ending March 31, 2014 would have changed to 58% Equity/42% Bond. We’ll keep you balanced.

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Is asset allocation really that important?

Asset allocation accounts for more than 93% of a portfolio’s return variance.

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Are your participants over diversified?

Only 37.8% of participants invested in target date funds are using them correctly as their only investment option.

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Leave it to the professionals.

Utilizing professional asset-allocation has shown to increase performance an additional 1% annually.

UNDERSTANDING 401(k) FIDUCIARY RISK

Company retirement plans are subject to many regulations which create risk for plan fiduciaries if they aren’t properly carried out.

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IMPORTANCE OF ASSET ALLOCATION

Proper asset allocation is the most critical success factor for retirement investors, accounting for more than 93% of return variance.

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PARTICIPANT FOCUSED SOLUTIONS

Our focus is on providing progressive 401(k) plan design that gives participants the greatest chance of achieving their retirement income goals.

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