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Now you can consider the investment asset allocation recommendations of Confident Strategies’®
computer-driven Model Portfolios for advice that will help you actively manage your 401k
or 403b Plan at work. And if you are in a 401k rollover situation, you can
follow one or more of our Model Portfolios in an Individual Retirment Account (IRA) or Variable
Annuity product. (Note that this investment advice is general in nature since we do not provide individualized investment advice.)
For managing your 401k Plan, our two “Benchmark Series” Model Portfolios
are both specifically designed around the typical investment options
found in most employer-sponsored 403b and 401k plans. The 401k investment
options included are:
Typical 401k and 403b Investment Options:
The Benchmark Series investment newsletter provides 401k plan advice with two separate Model Portfolio strategies, designed for different levels of risk tolerance. Follow the links below for detailed information on these models:
The Growth Portfolio strategy is oriented more for those with a longer investment time horizon for their 401k. The Conservative Portfolio provides 401k plan advice for those with a shorter investment time horizon (such as those who may be entering retirement soon). Of course, since we do not provide individualized investment advice, it is your sole responsibility to determine the suitability of any generic strategy for your own individual situation.
Actively managed investment models such as ours produce a significant portion of their earnings in the form of taxable gains. Any kind of tax-deferred account such as a 401k or Individual Retirement Account (IRA) will help you get the maximum benefit from these kinds of strategies. The power of compounding is the key ... when you can compound pre-tax gains it will make a huge difference in the growth of your 401k account balance over the long term.
If you are in a 401k rollover situation, and moving to a new employer, you may be able to transfer your 401k rollover money into your new employer’s 401k plan. Of course, you can follow one of our Benchmark Series strategies for generic investment advice to help you manage your own money in the new 401k account.
A better option for you may be to rollover into an Individual Retirement Account (IRA) account because you can then access a broader set of investment options. You won’t be restricted to your 401k plan options. Taking this approach with your 401k rollover, you could invest your rollover money by following the advice of any of our investment strategies, including these:
Of course, you are solely responsible for determining the suitability of any generic investment strategy for your individual financial situation and your 401k or 401k rollover. We suggest you seek the guidance of a qualified investment advisor to help you determine the suitability of our 401k plan advice.
Certain investors like the advantages inherent in some variable annuity products offered by insurance companies. Your 401k rollover can also go into one of these tax-deferred vehicles and you may be able to follow either of our two Benchmark Series strategies to help you manage your investment options.
