How It Works 

We strive to meet two main objectives:

1)                  Provide you with information that can enhance the returns on your 401-k account.

2)                  Make that information clear and easy to implement

We analyze the markets daily, using our proprietary models, to provide you with our ‘Sailing Conditions’ assessment. Typically, we expect to make fewer than five ‘forecasts’ per year. This IS NOT day trading! This is for serious, long term investors.

When there is a change to the forecast, you will receive an email notification from us, alerting you to the change. You don’t have to watch the markets daily, or worry if your investments are in the right place. We do ALL of that for you!

When you receive the change notification in your email, you simply follow the directions in the email, and call your 401-k administrator to  make the change. Depending on the instructions, you will either move into the fully invested, or ‘clear sailing’ position, or the ‘safe harbor’ position.

Nothing could be simpler, unless of course we also called your plan administrator for you, but we would have to charge a LOT more than we do if that were the case. Hey, we’re trying to cut you a break here. We do all of the really hard work, all you have to do is make a phone call.

As already mentioned, your email message will contain one of two ‘forecasts’, as follows:

 Clear Sailing – Our analysis shows the potential for a general uptrend in the markets, which indicates a fully invested position could be profitable at this time. Your funds should be placed in a mix of domestic and international stock funds. This is when you can expect to grow your account balance. When looking for growth, it is always a good idea to diversify, rather than try to guess which growth fund will do the best. Of course, to keep it simple, you may choose to just use one.

Safe Harbor – Our analysis shows the potential for a general downtrend in the markets, and a ‘Safe Harbor’, or money market / cash position could be the best place for your funds, thus protecting any gains you may have made to this point.

We can even help you select your investment options! Just email us at info@401k-PLUS.com with your plan information, and we’ll identify which are your growth options, and which are your safe harbor options. Nice and simple!

Take charge of your future NOW! Don’t leave something as important as this to chance. Sign up now, and take the step that could allow you to retire earlier or retire safer.