Bright futures start with smart investments
Our mix of experience and software can help put you on the right path to retirement.
Minimize fees
Diversify broadly
Play the long game
These three simple, time-tested principles help guide the investment decisions we make. When paired with our software and expertise, these principles help people invest in their future with confidence.
We’ve created 6 different managed investment portfolios so you can select the one that aligns with your age and risk tolerance. Each portfolio is diversified with low-cost funds and has an average expense ratio under 0.07%1.
1
to assess your risk tolerance and saving timeline.
2
or create a custom one from a collection of low-cost funds.
3
— we’ll automatically rebalance your portfolio over time.
Fees can have a big impact on retirement savings, especially when compounded over time. The industry-average fee charged by 401(k) providers is 1.37%
2.
With an account fee of 0.15%, the estimated total cost for an active participant investing in one of Guideline’s managed portfolios can be under 0.22%—that’s up to 6x less than the industry average4.
See the other fees we don’t charge
As fiduciaries, we are legally (and morally) obligated to ensure that every investment decision we make is in your best interest. Our investment committee takes this responsibility very seriously, regularly reviewing strategies and performance.
3(38) investment management fiduciary on all plans
Registered investment advisor (RIA) with the SEC
Jeff Rosenberger
Chief Operating Officer
Qian Liu
Chief Data Officer
Liz Mastrobattisto
Chief Compliance Officer
Whether you’re a first-time saver or experienced investor, our educational webinars and investing resources can help you invest with confidence.
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We do not at this time. We keep fees low by building the portfolios ourselves, while providing the flexibility to choose investments that serve a shorter or longer term investment strategy. Read more here
No, Guideline does not accommodate for outside brokerages and trading of individual stocks. Participants will be able to choose their investment options from our Fund Menu or select from one of our Managed Portfolios.
As a robo-advisor, once a 401(k) plan participant completes a simple questionnaire, Guideline recommends one of our six professionally managed portfolios composed of mutual funds via our proprietary software. Guideline does not provide individual investment advice.
Yes, each eligible employee will have access to their own personal Guideline dashboard, where they will be able to view the details of their retirement savings and choose how to invest.
When setting up their Guideline 401(k) account, they will be asked to complete a questionnaire which will then suggest one of six Guideline Managed Portfolios to them, ranging from conservative to aggressive. Alternatively, they can choose to build their own portfolio from our fund menu. They can change their deferral amounts and investment choices at any time.
Investment advisory services for Guideline’s 401(k) (when 3(38) fiduciary services are appointed) and SEP IRA/IRA products are offered by Guideline Investments, LLC, an SEC-registered investment adviser. References to “Guideline” “we” or “our” on this page specifically refer to Guideline Investments, LLC. For more information regarding investment advisory fees and services, see Guideline’s ADV 2A Brochure and Form CRS.