723,000 401k Plan Participants Were Tracked for 7 years. Does your Plan have what the top performers had?
7-year Plan Study Reveals the Biggest Missing Piece for Many 401k/403b Participants
Read about the Help used, and how your Plan can use it too.
*Dollar amounts shown are not a guarantee that those results will be realized. The calculator provided is hypothetical for illustrative purposes only and should not be considered as investment advice. We cannot and do not guarantee the relevance or accuracy with regard to your individual circumstance. We do not guarantee future results, and a diversified managed portfolio is not a guarantee against loss. The calculation assumes an investor using professional help will achieve greater growth compared to a self-managed account, which is dependent on a number of factors. The calculated discrepancy between “Your 401k” and “Your 401k with pro help” is based on Vanguard Advisor Alpha methodology: Advisor potential value in providing behavioral coaching and rebalancing services to client accounts.
Participants Would Contribute More If…
When asked how likely they would be to increase the proportion of their income they contribute to their 401k, these were the top responses, by percentage of respondents:
Had a better sense of how much retirement income is being created
Better understood the investments available in the 401k plan
An investment professional showed them how to invest in the 401k
The Guardian Small Plan 401(k) RetireWell Study 2.0 (2015)
When it comes to education, we think a personal approach is more impactful.
On-site seminars followed by virtual one-on-one interaction is the blueprint to higher Participant understanding, engagement, and satisfaction. This can be facilitated for your Plan’s investment options, even if we are not presently advising your Plan.
Rule of 72
An appreciation for how money grows over a given time period allows each one to deepen his/her own understanding of “appropriate” personal risk.
Looking ahead to retirement lifestyle with 95% certainty helps put current investment into perspective, and often urges Participants to increase their contributions.
401k Report Card
We go beyond fund fact sheets to teach how to grade each individual investment. We want investments to ACE the retirement test, not flunk out or just skate by.
You have your own definition of “risk”. This pegs it for you.
Advice on what investments will keep you sleeping at night, with 95% certainty.
Retirement Road Map
Contribute the right amount. Take the right risk. Retire right on time.