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401-k Plans

The TIPS Asset Allocator is a separate investment option specifically designed for defined contribution plans such as 401(k)’s, Keoghs and Profit Sharing Plans.

CoupleWithAdvisorAsset Allocation is the process of developing a diversified investment portfolio by mixing different assets in varying proportions.  The decision to put more money into stocks than into bonds for example, has a greater impact on returns than the decision to pick one stock over another.

Traditionally, risk has been thought of as the potential to lose money on an investment.  However, another type of investment risk is of smaller returns from conservative investments.

Diversification is a well-known investment strategy that helps reduce risk while keeping the opportunity open for a potentially larger returns.  Diversification does not mean that you must invest your money equally among a standard set of options.

Risk can be reduced and returns can be increased through effective diversification among asset classes.

RetirementRetirement Investing Is your retirement investing driven by a herd instinct? If you are like millions of others these days you  probably make your 401(k) investment decisions based upon the same information that everyone else is receiving.  This is called following the herd.  Ask yourself when was the last time everyone was right when it came to investing in the stock market?

Holding the wrong investments, be it stocks, bonds or mutual funds, at the wrong time will have a negative effect on your retirement savings.  Do you want to take that risk?

Investment risk has traditionally been thought of as the potential to lose money on an investment.  Another type of risk is being too conservative - lower returns from conservative investments may never overcome inflation.  Diversification helps reduce investment risk while keeping the opportunity open for potentially larger returns.  Diversification does not mean you invest your money equally among a standard set of choices.

RiskThe TIPS Asset Allocator is a separate investment option specifically designed for defined contribution plans, such as 401(k)'s, Keoghs, and Profit Sharing Plans.  It provides professional management to those participants who have difficulty investing their retirement savings in individual mutual funds.  The Asset Allocator consists of dynamically invested portfolios of mutual funds based on expected returns of asset classes and aggressive or conservative levels of risk.

The  option need not replace existing individual mutual fund choices currently offered to plan participants, but fits in as a higher level choice.

The Value Added Benefits are two fold by providing plan sponsors with better defined contribution services and participants with better ways to manage their investments.  

Plan Sponsor Benefits

Fulfills the fiduciary responsibility of the plan sponsor by adding an optimally diversified and prudently managed portfolio of mutual funds to your contribution plan.
Utilizes existing funds in the portfolio.
Reduces the need to add more individual fund choices.
Positions participants in a diversified class of assets reducing risk and potentially increasing returns.
Provides the plans sponsors with a method of serving the retirement needs of all employees, not just those who understand investments.
Simplifies the investment process, increasing employee participation and reducing the need for expensive employee education.

Participant Benefits

  1. Provides active professional oversight.
  2. Saves time and headache of staying abreast of the market
  3. Offers diversification of investment portfolio
  4. Utilizes dynamic asset allocation strategy

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