Frequently Asked Questions
What does 401(k) Maneuver do that I may not currently have access to?
The 401(k) management tool is provided by an independent investment advisory firm. We provide quarterly allocation recommendations privately via email.
What makes 401(k) Maneuver different?
Most account management programs manage solely based on your age and expected retirement date.
401(k) Maneuver believes a “one size fits all” strategy may be harming your 401(k) account performance. We provide quarterly allocation recommendations based on your personal risk tolerance and current economic and market conditions.
Will I see immediate results?
Possibly. The real value will be seen over time as 401(k) Maneuver works to help you better protect your account during bad markets and improve performance when markets are good.
Is there anything new to learn?
No, 401(k) Maneuver does the research and provides quarterly allocation recommendations so you know what allocation changes to make.
What is the benefit of rebalancing my 401(k) every quarter?
Research shows that quarterly rebalancing may increase your chances of having more money in retirement. The “buy and hold” strategy may no longer work.
Do I have to move or transfer my 401(k) account?
No, your account does not move. 401(k) Maneuver will simply provide you with Quarterly Allocation Recommendations (QAR) via email.
Will my investment choices be different?
401(k) Maneuver will provide recommendations based on your current plan investment menu.
Does 401(k) Maneuver make commissions based on the allocation changes made?
No, as fiduciaries, 401(k) Maneuver receives no commissions. 401(k) Maneuver simply provides you with quarterly allocation recommendations based on your personal risk tolerance, current market conditions, and the menu of investment choices made available by your employer.
How do I pay for this voluntary benefit?
401(k) Maneuver is paid directly from your 401(k) account each quarter.
Can my spouse participate?
Yes. If not employed at your workplace, a spouse can still enroll separately with 401(k) Maneuver.
Can I use 401(k) Maneuver if I leave my employer plan?
Yes, if you change jobs or retire, 401(k) Maneuver can continue to help.
Can I cancel at any time?
Yes. You can cancel via your HR department or contact 401(k) Maneuver directly at support@401kmaneuver.com.
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Employees of These Companies Use 401(k) Maneuver…
It is not known whether these clients or their employers approve or disapprove of 401(k) Maneuver™
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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