retirement age
Age

Early 50s

401k retirement goal
Short-term goal

Invest her savings

401k savings
Savings

~25% to retirement goal

Success Story: More Options

Employee Success Story: Expanding Saving Options

retirement goal 401k
High Five!

Andrew assisted her one-on-one and explained that setting up a growth-based investment strategy could help her get the most out of her current savings, and still allow her to retire by age 65.  

Expanding 401(k) savings Options

Opportunity

A 50-year-old nurse practitioner named Gloria* with money in savings, but none invested in a retirement vehicle, was at risk of running out of money during retirement.

401k obstacles for employers

Employee’s Obstacle

When the Fisher Investments 401(k) Solutions service team visited a new client—a private healthcare practice—for their enrollment day, we found that the retirement plan, and the participating employees, had not gotten personal attention from a service perspective since it was established in the 1970s.

During the visit, Retirement Counselor Andrew met with Gloria, who did not feel much hope of achieving a comfortable retirement. Gloria wanted to retire by age 65, but with no retirement investments at 50 years old, she felt that she would not be able to retire on her terms. She’s a nurse practitioner, single mother, and a first generation American who had saved money throughout her life and accumulated a good start to her retirement fund. However, her savings balance had always been in cash, meaning she had missed out on annual returns that would have grown her balanceapproximately 8.2% in annual U.S. stock returns over the last two decades1because that money was not invested.

business owners 401k solutions

Our Solution: An investment mix designed to grow

Andrew spoke to Gloria about risk; in particular, the risk that the money she had saved wouldn’t last her through retirement. The impact of cumulative interest on her retirement fund over a few decades would have placed her into a better position to retire comfortably. However, given that she had at least 15 years to continue working—while investing her retirement savings—she had both time and a save-first mentality to reach a comfortable retirement.

employee success story 401k retirement

Employee Success

Andrew assisted her one-on-one and explained that setting up a growth-based investment strategy could help her get the most out of her current savings, and still allow her to retire by age 65.  

1Source: S&P 500, 12/31/1995 – 12/31/2015

*Name changed for employee confidentiality.

SEC Regulatory Disclaimer: Case Studies are selected based on how they illustrate common 401(k) plan goals. It is not known whether the clients approve or disapprove of Fisher Investments 401(k) Solutions or the services provided.

About Fisher Investments 401k
About Us

Fisher Investments 401(k) Solutions is committed to bringing unparalleled support to small and mid-size businesses and their employees through 401(k) retirement plan services.

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5525 NW Fisher Creek Drive Camas, WA 98607

844-343-4015
info401k@fi.com

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