A May 2014 study over a 6-year period comparing those who had Help with managing their 401(k) and those who did not, revealed:
“On average, the median annual returns for participants in the study who got Help were more than 3% (332 basis points, net of fees) higher than people who didn’t get Help.” *
When it comes to growing your retirement account, you have three options:
Close your eyes and hold on
In today’s fast-paced world, it can be difficult to accomplish everything you already have on your To-Do list. So, why add the stress of worrying about what you should or should not be doing with your 401(k) account?
Going it alone
There are plenty of resources out there for investors. You can figure out your own system and see how it works. There are two key questions to ask.
Do you have the time to figure it out?
Can you afford the cost of the errors during a “trial and error” approach?
Enroll in 401(k) Maneuver
Many people are taking advantage of the recommendations provided by 401(k) Maneuver that may help to optimize their workplace retirement accounts. It is designed with busy people in mind, so it is incredibly efficient.
We will manage your 401(k) account for you by reviewing it quarterly. Your record keeper will report the activity in your account to you directly. The three primary objectives of 401(k) Maneuver are to improve account performance, manage risk to minimize loss, and reduce fees that harm performance.
Increase your chances of a more fulfilling retirement.
*AON Hewitt "Help in Defined Contribution Plans: 2006 through 2012" Published May 2014
*This return is not added over a specific time frame but can vary each year based on the investor’s circumstances. Although every adviser has the ability to add this value, the extent of the value will vary based upon the investor’s unique situation and the way the assets are actually managed.
401(k) Maneuver™ is offered by Royal Fund Management, LLC, which is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Royal Fund Management, LLC, is not affiliated with or endorsed by NASDAQ.
All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's investment portfolio. There are no assurances that a client’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not ensure or guarantee better performance and cannot eliminate the risk of investment losses. Projections are based on assumptions that may not come to pass.
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