401(k)

Providing the same dynamic management as our Smarter Way Allocations, inside your 401(k)

401(k)

Providing the same dynamic management as our Smarter Way Allocations, inside your 401(k)

Fiduciary Investment Advice Within Your 401(k)

Most 401(k) plan providers offer little in the way of investment guidance and far fewer, if any, offer the option of a tactical approach to managing your investments over time. A Smarter Way 401(k) addresses both of these shortcomings.

First, we provide an array of prebuilt allocations for various levels of risk. New plan participants start by taking our risk tolerance questionnaire to determine their appropriate level of risk. This number is used to select an allocation with the corresponding level of risk.

Once this initial step is taken, we assume the responsibility of managing the allocations just as we do with our allocations outside of the 401(k) offering. For more information on how our management process works, please visit the ‘Allocations’ section. To summarize, we reduce risk when we see the long-term direction of the market start to come into question as various fundamental and technical data points begin to weaken.

The 401(k) allocations hold ETFs in lieu of Smarter Way models. Our ETF selection criteria focuses on how well each ETF replicates is benchmark, how cost effective the product is, and how easily it is to trade the position. When our data points indicate uncertainty we will modify the 401(k) allocations to underweight equity-based ETFs, and reallocate funds into non-correlated asset classes such as fixed income, cash, and commodities.

401(k)Allocations

Favorable Market Conditions

  • Data indicates positive market sentiment
  • Invest for growth conditions

Market Conditions Uncertain

  • Data is mixed or indicates negative market sentiment
  • Holdings diversified into non-correlated asset classes to minimize volatility

Risk Score

77

Equity/Fixed Income/Alternative %

92.5/0/7.5

Risk Score

48

Equity/Fixed Income/Alternative %

50/30/20

Favorable Market Conditions

  • Data indicates positive market sentiment
  • Invest for growth conditions

Market Conditions Uncertain

  • Data is mixed or indicates negative market sentiment
  • Holdings diversified into non-correlated asset classes to minimize volatility

Risk Score

68

Equity/Fixed Income/Alternative %

80/15/5

 

Risk Score

45

Equity/Fixed Income/Alternative %

42.5/34.5/23

Favorable Market Conditions

  • Data indicates positive market sentiment
  • Invest for growth conditions

Market Conditions Uncertain

  • Data is mixed or indicates negative market sentiment
  • Holdings diversified into non-correlated asset classes to minimize volatility

Risk Score

58

Equity/Fixed Income/Alternative %

65/30/5

Risk Score

41

Equity/Fixed Income/Alternative %

35/39/26

Favorable Market Conditions

  • Data indicates positive market sentiment
  • Invest for growth conditions

Market Conditions Uncertain

  • Data is mixed or indicates negative market sentiment
  • Holdings diversified into non-correlated asset classes to minimize volatility

Risk Score

46

Equity/Fixed Income/Alternative %

50/45/5

Risk Score

37

Equity/Fixed Income/Alternative %

27.5/44.3/28.2

 

Favorable Market Conditions

  • Data indicates positive market sentiment
  • Invest for growth conditions

Market Conditions Uncertain

  • Data is mixed or indicates negative market sentiment
  • Holdings diversified into non-correlated asset classes to minimize volatility

Risk Score:

37

Equity/Fixed Income/Alternative %

37.5/60/2.5

Risk Score

33

Equity/Fixed Income/Alternative %

20/48.8/31.2

Favorable Market Conditions

  • Data indicates positive market sentiment
  • Invest for growth conditions

Market Conditions Uncertain

  • Data is mixed or indicates negative market sentiment
  • Holdings diversified into non-correlated asset classes to minimize volatility

Risk Score

77

Equity/Fixed Income/Alternative %

92.5/0/7.5

Risk Score

48

Equity/Fixed Income/Alternative %

50/30/20

Favorable Market Conditions

  • Data indicates positive market sentiment
  • Invest for growth conditions

Market Conditions Uncertain

  • Data is mixed or indicates negative market sentiment
  • Holdings diversified into non-correlated asset classes to minimize volatility

Risk Score

46

Equity/Fixed Income/Alternative %

50/45/5

Risk Score

37

Equity/Fixed Income/Alternative %

27.5/44.3/28.2

 

Favorable Market Conditions

  • Data indicates positive market sentiment
  • Invest for growth conditions

Market Conditions Uncertain

  • Data is mixed or indicates negative market sentiment
  • Holdings diversified into non-correlated asset classes to minimize volatility

Risk Score

58

Equity/Fixed Income/Alternative %

65/30/5

Risk Score

41

Equity/Fixed Income/Alternative %

35/39/26

Favorable Market Conditions

  • Data indicates positive market sentiment
  • Invest for growth conditions

Market Conditions Uncertain

  • Data is mixed or indicates negative market sentiment
  • Holdings diversified into non-correlated asset classes to minimize volatility

Risk Score

46

Equity/Fixed Income/Alternative %

50/45/5

Risk Score

37

Equity/Fixed Income/Alternative %

27.5/44.3/28.2

 

Favorable Market Conditions

  • Data indicates positive market sentiment
  • Invest for growth conditions

Market Conditions Uncertain

  • Data is mixed or indicates negative market sentiment
  • Holdings diversified into non-correlated asset classes to minimize volatility

Risk Score:

37

Equity/Fixed Income/Alternative %

37.5/60/2.5

Risk Score

33

Equity/Fixed Income/Alternative %

20/48.8/31.2

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