Do It For Me – For employees who don’t want to make decisions about how to invest their retirement money. These employees aren’t experienced with investing and aren't sure how to build a retirement portfolio that is aligned with their retirement goals. We provide the support they need to feel confident in their investment selections.
Guide Me – For employees who want some involvement in selecting their investments, but aren't confident doing it on their own. In our one-on-one sessions with your employees, we'll use our Retirement Navigator tool to help them identify retirement goals and select the investments aligned with those goals.
Select My Own Fund Mix – For employees who have strong preferences regarding their retirement portfolio allocation, this option gives them the investment flexibility and options they need.
Open My Own Brokerage Account – Your most investment-savvy employees can choose to manage their own Self-Directed Brokerage Account with a wide array of investment options available, including thousands of mutual funds, stocks, and bonds. If they choose, your employees can also hire an outside adviser to manage their assets.*
Common Industry Approach Compared to Fisher's Approach to Employee Investment Guidance
Gauging Market Conditions
The typical risk tolerance approach gauges short-term feelings about the market, asking investors whether they want to invest more “aggressively” or “conservatively”
Fisher takes a long-term approach— looking 10, 20, or 30 years ahead—and provide guidance based on what we project to be the best global investment opportunities for your employees
TRACKING RETIREMENT NEEDS
Without a longer-term vision for retirement goals, investments become misaligned and your employees’ retirement account performance is at risk.
Your Service Team will discuss details such as future income needs and personal health to help employees customize their investments to match their retirement goals
GOALS-BASED INVESTING STRATEGIES
Investing based on short-term market conditions requires employees to be market-savvy and to actively-manage their investments.
Goals-based investment decisions are less likely to become outdated in the near term and more likely to remain consistent over market cycles so employees don’t need to be experts
Employees grouped by high, medium, or low risk tolerance results in generic investment decisions that don’t reflect your employees’ unique, personal lives
Fisher’s approach supports employees’ individual goals and helps them build confidence in their financial well-being and retirement future
* An SDBA may not be appropriate for every plan or every employee. Your 401(k) custodian determines the maximum percentage of an employee’s 401(k) assets that may be invested in an SDBA. Employees may choose any investment adviser, or no investment adviser, to manage the assets in their SDBA. If Fisher Investments serves as a fiduciary under ERISA with respect to an employee’s SDBA, the plan’s fiduciaries will not be liable for the employee’s selection of Fisher Investments. It is important to note that any services provided by Fisher Investments through an SDBA at an additional fee are not considered a feature of the plan, and therefore, each employee who elects to engage Fisher Investments in this regard must enter into a separate arrangement with Fisher Investments.