Three Ways to Invest
ZERO-COST Brokerage-Window Accounts
Curated List of LOW-COST Investment Options
Professionally Managed Model Portfolios
Our 401(k) plans top the industry by offering participant employees three flexible investment approaches for their retirement assets. Participants have the freedom to allocate their assets across one, two, or all three "profiles", and can transfer funds between these profiles at any time, free of additional charges.
Participant Self-Managed Profile
Plan Participant Elects to Get a Zero-Cost Personal Brokerage Window Account with Access to Thousands of Stocks, Bonds and ETFs from Which to Trade Their Own 401(k) Account
Participant Guided Profile
Plan Participant Chooses From a Pre-Selected List of Low-Cost Core Investment Options
Professionally Managed Profile
Plan Participant Delegates Discretionary Investment Decisions to an Investment Professional by Selecting Amongst Four Available “Model Portfolios” Depending Upon Their Risk Tolerance and Investment Horizon to Retirement
Interested in Our PRO-Account Professionally Managed Models?
Choosing the Perfect401(k) PRO Account Portfolios enables employees to entrust their account management entirely to our seasoned investment professionals. This option includes everything from fund selection to executing trades, all handled with full money manager discretion. These portfolio management services are expertly provided by Wellington Consulting Services, Inc., an investment advisory firm registered with the Securities and Exchange Commission (SEC).
Understanding that each employee’s investment needs are distinct, Perfect401(k) offers four model portfolios. These portfolios are designed to cater to varying risk tolerances and investment timelines, ensuring there’s a fit for everyone. Named for their relative risk approaches — “Conservative”, “Moderate”, “Aggressive”, and “Aggressive Ultra-Long-Term” — these portfolios aim to maximize returns within their respective investment horizons.
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Conservative Pro-Account
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Moderate Pro-Account
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Aggressive Pro-Account
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Aggressive Ultra-Long-Term Pro-Account
Model portfolio names denote risk levels relative to each other rather than as static risk levels. Performance is attempted to be optimized over the investment horizons identified. Model portfolio investment allocations attempt to prioritize the avoidance of large unrecovered losses within portfolio minimum investment horizons over more immediate performance objectives. Model portfolio investment allocations tend to prioritize relative long-term historical valuation metrics over "momentum" or other shorter-term allocation methodologies. Actual model portfolio allocations may differ substantially from any performance benchmark target allocations. Model portfolios are comprised largely or entirely of mutual funds and/or Electronically Traded Funds ("ETFs") which are not FDIC insured and which may lose value. Portfolio objectives regarding performance, volatility and investment time-frames are not guaranteed and may not be realized. Prior performance may not be indicative of future results. Always promptly inform your investment adviser if your investment objectives and/or investment time horizons change as they should always remain aligned with your model portfolio selection(s). The performance benchmark for the “Conservative” portfolio is 80% fixed-income (Treasury Bills); 20% equities (S&P 500), however actual portfolio allocations and resultant performance may differ substantially. Portfolio allocation subject to change without notice.
Model portfolio names denote risk levels relative to each other rather than as static risk levels. Performance is attempted to be optimized over the investment horizons identified. Model portfolio investment allocations attempt to prioritize the avoidance of large unrecovered losses within portfolio minimum investment horizons over more immediate performance objectives. Model portfolio investment allocations tend to prioritize relative long-term historical valuation metrics over "momentum" or other shorter-term allocation methodologies. Actual model portfolio allocations may differ substantially from any performance benchmark target allocations. Model portfolios are comprised largely or entirely of mutual funds and/or Electronically Traded Funds ("ETFs") which are not FDIC insured and which may lose value. Portfolio objectives regarding performance, volatility and investment time-frames are not guaranteed and may not be realized. Prior performance may not be indicative of future results. Always promptly inform your investment adviser if your investment objectives and/or investment time horizons change as they should always remain aligned with your model portfolio selection(s). The performance benchmark for the “Moderate” portfolio is 40% fixed-income (7-10 year Treasury Bonds); 60% Equities (S&P 500), however actual portfolio allocations (including any inverse allocations) and resultant performance may differ substantially. Portfolio allocation subject to change without notice.
Model portfolio names denote risk levels relative to each other rather than as static risk levels. Performance is attempted to be optimized over the investment horizons identified. Model portfolio investment allocations attempt to prioritize the avoidance of large unrecovered losses within portfolio minimum investment horizons over more immediate performance objectives. Model portfolio investment allocations tend to prioritize relative long-term historical valuation metrics over "momentum" or other shorter-term allocation methodologies. Actual model portfolio allocations may differ substantially from any performance benchmark target allocations. Model portfolios are comprised largely or entirely of mutual funds and/or Electronically Traded Funds ("ETFs") which are not FDIC insured and which may lose value. Portfolio objectives regarding performance, volatility and investment time-frames are not guaranteed and may not be realized. Prior performance may not be indicative of future results. Always promptly inform your investment adviser if your investment objectives and/or investment time horizons change as they should always remain aligned with your model portfolio selection(s). The performance benchmark for the “Aggressive” portfolio is 80% equities (S&P 500); 20% fixed-income (7-10 year Treasury Bonds), however actual portfolio allocations (including any inverse allocations) and resultant performance may differ substantially. Portfolio allocation subject to change without notice.
Model portfolio names denote risk levels relative to each other rather than as static risk levels. Performance is attempted to be optimized over the investment horizons identified. Model portfolio investment allocations attempt to prioritize the avoidance of large unrecovered losses within portfolio minimum investment horizons over more immediate performance objectives. Model portfolio investment allocations tend to prioritize relative long-term historical valuation metrics over "momentum" or other shorter-term allocation methodologies. Actual model portfolio allocations may differ substantially from any performance benchmark target allocations. Model portfolios are comprised largely or entirely of mutual funds and/or Electronically Traded Funds ("ETFs") which are not FDIC insured and which may lose value. Portfolio objectives regarding performance, volatility and investment time-frames are not guaranteed and may not be realized. Prior performance may not be indicative of future results. Always promptly inform your investment adviser if your investment objectives and/or investment time horizons change as they should always remain aligned with your model portfolio selection(s). The performance benchmark for the “Aggressive Ultra-Long-Term” portfolio is 90% equities (S&P 500); 10% fixed-income (7-10 year Treasury Bonds), however actual portfolio allocations (including any inverse allocations) and resultant performance may differ substantially. Portfolio allocation subject to change without notice.
