Investments


Investment Options Should Be About Choice, Not a PROVIDER'S FEES

Investment Options for Every Investor

Perfect401(k)'s investment options are designed to give your employees as much freedom or direction as they want. Many providers limit investment options to high-priced funds where they receive financial incentives from the very funds they recommend, needlessly increasing your fees. We don’t do this. Perfect401(k)TM avoids such conflicts of interest by always putting plan participant interests first. We give your employees high-quality, low-cost investments options, with customizable levels of investment advice.

Your employees will have the option of choosing one of our three Investor Profiles, based upon how involved they would like to be in the investment process.

1

Fully-Managed Profile

PRO Account Portfolios

Employees seeking the maximum level of investment assistance can choose to delegate the ongoing management of their personal 401(k) accounts to a Perfect401(k)TM investment professional. They will choose from one of our 4 actively-managed PRO Account Portfolios, according to their risk preference and investment style: Conservative, Moderate, Aggressive, or All-Weather.

See below for more information about our “PRO Accounts.”

2

Guided Profile

Core Funds Account

Perfect401(k)TM also offers a simplified list of nearly 20 low-cost, high-quality mutual funds to choose from. Our customized “Core Funds Portfolio” lets employees select from our simplified list of hand-picked, high performing investments, such as Vanguard, Schwab, and Exchange Traded Funds (ETFs).

Please contact us to learn more about our Core Funds List.

3

Self-Directed Profile

Personal Brokerage Window Account

If employees prefer to actively manage their own 401(k) investments, to also include individual stocks and bonds, they can establish a self-directed brokerage-window account with Charles Schwab & Co., Inc. Under this option, employees will be granted total discretion and responsibility over all their investment selections, asset allocation, and trade executions—which means they will have all the investment flexibility enjoyed by experienced investors.

Interested in Our PRO Account Portfolios?*

Employees who select Perfect401(k)TM PRO Account Portfolios will allow our investment professionals to completely manage their accounts for them—from selecting funds to processing trades. Because we recognize every employee has unique investment needs, Perfect401(k)TM offers 4 distinct portfolio options. These options include 3 common risk preferences and time-frames, and 1 additional portfolio designed to be optimized over a complete stock market cycle.

Conservative PRO Portfolio
Moderate PRO Portfolio
Aggressive PRO Portfolio
All-Weather PRO Portfolio
For the investor with a short-term investment horizon, and therefore a low tolerance for short-term risk, this portfolio includes funds that will likely maintain fairly consistent values from year to year. Although it may not grow as quickly as the other portfolio options, the Conservative Portfolio is perfect for those who are close to retirement, or who want to minimize volatility in their investments.  
 *Representative Portfolio. Investment Selection subject to change without notice. Mutual Funds and ETFs are not FDIC insured and may lose value.
For the investor who can tolerate some volatility in their account value and does not expect to withdraw any funds for at least five years, this portfolio is designed to receive a greater rate of return than the Conservative Portfolio, with an objective of minimizing high volatility risk.
*Representative Portfolio. Investment Selection subject to change without notice. Mutual Funds and ETFs are not FDIC insured and may lose value.

For the investor with a long-term investment horizon, this portfolio is designed to have the highest rate of return in the long-run, but may face higher account volatility. The Aggressive Portfolio is designed for the investor who does not expect to begin withdrawing their funds for at least ten years. .

*Representative Portfolio. Investment Selection subject to change without notice. Mutual Funds and ETFs are not FDIC insured and may lose value.
Similar to the Aggressive PRO Portfolio, this portfolio is designed for investors who will not need funds from their investment for at least ten years and who are comfortable with higher volatility. The All-Weather PRO Portfolio is designed to add low to negatively correlated assets to one’s aggregate investment holdings, thereby attempting to reduce overall investment volatility during times of market uncertainty. Investors should only consider this portfolio if they are investing over a complete stock market cycle (i.e.: Bull-Market Peak to Bull-Market Peak OR Bear-Market Trough to Bear-Market Trough).
*Representative Portfolio. Investment Selection subject to change without notice. Mutual Funds and ETFs are not FDIC insured and may lose value.