Our Method
What you get
Your 401(k) Asset Allocation Plan will provide you with specific recommendations on the investment options available in your company plan. With the help of asset allocation software, an experienced financial advisor will compute the unique plan for your situation, giving you suggested investments and allocation percentages. You will use this report to update your allocations and future contributions to your company sponsored 401(k) plan. View a sample plan.
How we do it
Academic studies have indicated that asset allocation may be the major determinant of portfolio performance. That is how a portfolio is divided between different asset classes such as Large Cap stocks, Small Cap stocks, Bonds, etc. Contrary to popular belief, market timing or individual security selection have a relatively small role in comparison to asset allocation. Another misperception is that when the market falls, all stocks may fall. This does not always happen. For examples, growth stocks may be down but interest sensitive stocks are up. The objective of asset allocation is portfolio optimization, or the highest rate of return at a given level of risk.
A 401k Alliance financial advisor will create a plan based from results of an asset allocation software program, along with the following:
- Investments available in your company sponsored 401(k)
- Years to retirement
- Risk level (determined by a small quiz during the order process)
There is no certainty that any investment or strategy will be profitable or successful in achieving financial objectives.
Order Process
Ordering your personalized 401(k) Asset Allocation Plan is done in just 3 easy steps:
- Complete the order form which includes the intro, disclaimer, profile, risk assessment, and 401(k) plan submissions
- Send us your company sponsored 401(k) plan via fax, email, upload, website, or type them in manually
- Receive your 401(k) Asset Allocation Plan and update your fund allocations!
The purpose of an Asset Allocation Plan is to determine how your investments should be divided among the available investment alternatives. Having an Asset Allocation Plan may answer the question, “What should I be invested in right now?” You will provide us with some basic information such as your age and expected retirement date, and answer a few questions related to your comfort with risk. Also, you need to provide us with the investment choices in your 401(k) plan. Within 72 hours, we will send you a clear and concise report showing you which specific investment choices to consider investing in and how much in each asset. We provide this for a small one-time cost of $89.
Get started on your better 401(k) today! |
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