A unique view on the 401(k).

Your employees deserve more than one-size-fits-all savings and investment advice. Your plan can make personalized advice1 available to your employees while providing access to a wide range of investment options, including index mutual funds or ETFs. Because when it comes to advice, we believe that personalization matters.

Managed accounts.

  • The research

    Assuming an annual fee of 0.40%, a 30-year-old participant could have almost 56% more annual retirement income from a managed account service.2

    Learn more.

  • Our offering

    Based on their own unique set of information, participants who are subscribed to the third-party managed account service receive a personalized savings and investment strategy, for a fee. Ongoing account monitoring and automatic adjustments to their investments may help them stay on track even as major life events occur.


Low-cost diverse investments.

  • The research

    An index fund lineup can help control costs, lowering what your participants pay in fund operating expenses by 82%.3

    Learn more about delivering value with a low-cost approach. 

  • Our offering

    You can select a fund lineup of low-cost index mutual funds or potentially see even lower operating expenses with a lineup of exchange-traded funds.4


Unique plan design.

  • The research

    In plans that have utilized the managed account service as of January 2019, 78% of plan participants stayed in the service, while 22% managed on their own. When given the choice, 74% of participants choose managed accounts over a one-time recommendation.5

  • Our offering

    Plan sponsors have the option to elect the third-party managed account service for the plan, which can serve as the qualified default investment alternative (QDIA). Participants can choose to use managed accounts or to opt out. A unique plan design is one of the most ideal combinations for helping participants achieve better outcomes.

Contact

  • Talk with us to learn more and discuss your options.