Frequently Asked Questions 

How much does this cost?
First, let’s consider what you’re getting. Daily market analysis, results monitoring and recommendations. Normally you would expect to pay up to $300 per hour, or as much as 2% annually of your account balance, for a service like this. But thanks to the economies of scale and efficiencies of the internet services, such as PayPal, we are able to bring you this powerful investment tool for only $9.95 per month.

How does 401k-PLUS help me earn more on my 401-k account?
By helping you keep more of what you earn. Almost anyone can make money in stocks when the stock market is going up. The hard part is holding on to gains when the market goes down! Many people lost half or more of their account value when the market declined in the years 2000 – 2002. When our models signal a probability of decline, we issue a ‘Safe Harbor’ warning, prompting you to move to investments that can hold up better in a down market. Consider this: If you have $100,000 in your account, and the market declines 20% to $80,000, what percentage do you need to earn, just to get back to your original $100,000? Did you guess 20%? A 20% gain on $80,000 only gets you to $96,000. A 20% decline actually requires a gain of 25% JUST TO GET EVEN. This is the power of 401k-PLUS.

Can I ever lose money?
Let’s be clear – there is no program that is 100% right, 100% of the time. If anyone tells you they have that, run away quickly! However, we are right way more often than we are wrong. Our program is for those who have a long term view of investing, NOT for short sighted day traders.

Because there are so many different investment options and account types, it is difficult to give performance numbers. What we can do, is show you the results of our forecasts on a particular investment, and tell you that your results could be better or worse, depending on the investment options available to you. Fair enough? To look at what our results would have been on the Rydex No-Load Fund, click here.

Do you move the money for me?
No. And you really don’t need us to. Because of the time involved on our end to move each account individually, we would have to charge a lot more than $9.95 a month if we handled the transfers. Instead we empower you with the knowledge to TAKE CHARGE. Once you have the knowledge, the rest is easy. You simply call your plan administrator using the 800 number on your statement, or log in to your account on line, and make the recommended changes.

Will 401k-PLUS work with my 401-k plan?
Most definitely! Because we are giving you a broad based ‘forecast’, and almost all plans offer an equity, or stock-based investment, as well as a ‘cash’ or ‘guaranteed’ investment, you should have all the tools you need to TAKE CHARGE. Some plans DO have restrictions on how often you can move between investments, and it’s important to play by their rules. However, because we typically issue fewer than five ‘forecasts’ per year, you shouldn’t have any problems.

What is my commitment to you?
We hope that you enjoy great success with our program, and never want to leave us! However, we like to keep things simple, and only offer a monthly renewal program. When you sign up through PayPal, you are billed once each month. You can cancel at any time. If you cancel after your subscription has been billed, you will be active through the end of the billing month. There are no partial refunds for mid month cancellations. Nice and simple.

Can I pay by check? What if I don’t have PayPal?
Currently, we do not offer pay by check. PayPal is our only payment option, and one of the reasons we can keep our costs so low. Through PayPal you can have your subscription payment deducted from your bank account, or charged to a credit card. Nice and simple, see?

OK smart guy, I have a question not answered here. Now what?
We will be happy to answer any questions not covered here. You can email us at info@401k-PLUS.com