Retirement Plans

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Underperformance in Retirement Plans

Average Investor Lags

An independent study (DALBAR QAIB) reveals the average equity fund investor is lagging the S&P 500 index by -4.32% per year from 1992-2011.

Not Much Confidence

With 80% of current income as a goal for retirement, only 17% of employees studied indicate they are confident of their ability to reach the goal.

Getting Help Pays Off

Between 2006-2012, a study of Retirement Plans found Participants who used Help* averaged +3.32% higher returns per year than non-Help Participants.

An independent study reveals some key missing items
that can make a HUGE difference to your retirement savings

Key Takeaways from the report
↓ Download this Report: ↓
Portfolio Risk is Off-Target for Many

60.5% of Non-Help Participants had inappropriate risk levels. Of those, approximately two-thirds were taking on too much risk, and about one-third were taking on too little risk, jeopardizing these participants’ ability to accumulate sufficient retirement wealth.

You can–and should–have the right amount of risk in your portfolio. We can help.

Getting Help can improve outcomes Greatly

The annual performance gap between Help Participants’ and Non-Help Participants’ median returns was 3.32%, net of fees over the period
2006–2012.

This difference can have a meaningful impact on wealth accumulation over time. For a 45-year old Help Participant it could translate to 79% more wealth at age 65.

Is 79% more money worth a look?

This difference can have a meaningful impact on wealth accumulation over time. For a 45-year old Help Participant it could translate to 79% more wealth at age 65.

If two participants—one using Help and one not using Help—both invest $10,000 at age 45, assuming both participants receive the median returns identified in this report, the Help Participant could have 79% more wealth at age 65 ($58,700) than the Non-Help Participant ($32,800).

The GOOD news is
there’s PLENTY you can do about it!

Pick a Destination

What is your retirement number? What is your needed rate of return? How much do you need to save/contribute?

It’s all very personal.

Choose Your Route

What should you be invested in? How much risk will you need to get there? How much risk is
too much?

Find your Comfort Zone.

Re-route As Necessary

Life has ups and downs. Markets will rise and fall. Adjust over time to manage the bumps and come out on top.

Stay confident.