INVESTOR STYLES & SUPPORT
Investment Methods for Every Style
You may have some employees who are investment savvy and want a way to select their own stocks, funds, etc. And you might have the opposite; employees who want to invest in their 401(k) plan but don’t know where to start. Most companies have employees with a range of investment styles and preferences—and trying to accommodate all of them can be a challenge. We offer services that provide each employee the level of help and flexibility they’re seeking. Take a look at the four methods below created to meet your employees’ diverse needs.
DO IT FOR ME
Consists of default fund options for people who don’t want to make a decision about how to invest their retirement savings. These employees:
- Want to keep it simple
- Are not comfortable or knowledgeable in making investment decisions
- Do not want to spend time on making investment decisions
Many employees want to be involved in selecting funds for their 401(k) account, but need help or education in choosing a portfolio based on their goals and that best suits their life circumstances.
- For these individuals, we provide a tool called the Retirement Navigator, which helps educate them to select a portfolio consisting of investments most appropriate for their personal situation
- Our Retirement Navigator methodology is based on the same thorough process we use to help our more than 48,000 high-net-worth investors*
Select My Own Fund Mix
We understand some employees prefer to select their own investments rather than choose from pre-designed model portfolios. For investors who want to select their own fund mix:
- They may have sufficient knowledge about capital markets to properly select and diversify their retirement portfolios
- We offer the ability to choose from professionally-managed, proprietary funds, advised by Fisher, available exclusively through 401(k) Solutions
Open My Own Brokerage Account
For individuals who are investment-savvy or who want more expansive investment options.
- Individuals in this category can open a Self-Directed Brokerage Account (SDBA)**
- A wide array of investment options available within their SDBA, with thousands of mutual funds, stocks and bonds
- Ability to hire an outside investment adviser to manage their 401(k) investments and outside assets holistically***