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Daily Capital

401(k) Management Program Now Available to Personal Capital Clients

When it comes to investing for long-term goals, 401k accounts play an important role.

These and other employer-sponsored retirement accounts offer tax advantages to help you make the most of your money, and sometimes, your employer even contributes to your plan. Over time, it’s critical to monitor and rebalance these accounts.

Now Personal Capital will do the work for you.

As a new offering known as Personal Strategy+, Personal Capital is able to directly manage investment clients’ 401k, 403b, and 457 plan accounts, as well as PSP and TSP account types. Just like with taxable and IRA accounts, clients can track all transactions on their Personal Capital Dashboard.

Personal Strategy+ is designed to give clients truly holistic advisory services across their personal and employer-sponsored assets. With access to personalized advice and their own financial planning tools, clients have more clarity as they work toward the retirement they want.

Learn More About Personal Strategy+

What Clients Can Expect in Personal Strategy+

As a Personal Capital client, you can enroll in the program through your Dashboard. There, you have full transparency on your managed account.

What do you stand to gain with Personal Capital managing your 401k? Here are a few key features of our approach to 401k management.

Holistic Asset Allocation

To start, you get a custom-built allocation based on your plan’s investment options and your complete financial picture. Over time, your goals change. Personal Capital’s investment team will dynamically shift the allocation to maintain your Personal Strategy.

You can keep an eye on all allocation adjustments in your Dashboard.

Monitoring & Rebalancing

A lot of work can go into monitoring plan options and making periodic changes. When the market presents opportunities, ongoing rebalancing can help avoid costly emotional mistakes and maintain a well-diversified portfolio.

In managing your employer-sponsored retirement accounts, Personal Capital will stay up-to-date on your plan and regularly rebalance your account back to your custom target allocation.

Personalized Approach to Retirement Planning

Our approach is tailored to you. Together, we create a plan that’s based on your preferences, your life stage, and your long-term goals.

Start Investing for Retirement with Personal Strategy+

Target allocations for Personal Strategy+ accounts will be built in an attempt to align with the fundamental asset allocation of the Client’s Personal Strategy. In alignment with this general approach to investing, preference will generally go to selecting low-cost passive index funds over actively managed mutual funds for otherwise similar plan options. Funds are selected within the context of their overall fit in the portfolio allocation and how well they represent a particular asset class that the Personal Strategy is aiming to replicate. The investment selection process involves a cost/benefit analysis that takes into consideration cost, diversification benefits, risk, return, and plan constraints. There will be allocation and performance differences between a Client’s Personal Strategy+ employer-sponsored retirement account(s) and the Client’s core Personal Strategy account(s). The content contained in this blog post is intended for general informational purposes only and is not meant to constitute legal, tax, accounting or investment advice. You should consult a qualified legal or tax professional regarding your specific situation. Keep in mind that investing involves risk. The value of your investment will fluctuate over time and you may gain or lose money. Third party data is obtained from sources believed to be reliable; however, Personal Capital Corporation (“PCC”) cannot guarantee the accuracy, timeliness, completeness or fitness of this data for any particular purpose. Third party links are provided solely as a convenience and do not imply an affiliation, endorsement or approval by Personal Capital of the contents on such third party websites. Any reference to the advisory services refers to Personal Capital Advisors Corporation, a subsidiary of Personal Capital. Personal Capital Advisors Corporation is an investment adviser registered with the Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training nor does it imply endorsement by the SEC.

Dan Stampf, CFP® is the Vice President of Personal Capital Cash.
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