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Participant PlansDoes RIA Advisors serve as your employer’s retirement plan advisor? Access your retirement plan account by selecting your plan’s record keeper from the dropdown below. You will be able to:
- Enroll in your plan (please contact your plan administrator for info)
- Update personal information
- Change your investment elections
- Change your contributions
- Request certain transactions
- Access educational resources
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Finding the time to invest and keep up with your 401(k) can be a challenge. Are you overwhelmed by your investment choices? Not sure about how you should position your portfolio? RIA Advisors can now directly manage your personal 401(k) plan account. By utilizing a secure platform provided by Pontera, RIA Advisors reviews, selects, monitors, and rebalances the investment choices available within your 401(k) all with your financial goals and objectives in mind. The Pontera platform is extremely flexible and allows RIA Advisors to manage your 401(k) account regardless of where it is held.
The account connection process is simple, safe, and secure. Your 401(k) account stays in your name and remains with the financial custodian. RIA Advisors never has access to your personal log-in information. We cannot request any distributions from your account, nor can we change any of your personal account information.
401k Plan Manager
The core strategy consists of holdings that are based on market fundamentals, valuations, and long-term market trends. These are holding that should be considered “long-term” investments and should primarily track the benchmark index over time. The turnover of the portfolio should be extremely low with the exception of rebalancing periods due to market gyrations.
The tactical strategy consists of holdings which based on the short- to intermediate-term trends of the market. As macro-economic, monetary and fiscal policy, and investor psychology impacts markets, the holdings in the tactical strategy will shift to take advantage of market rotations. Importantly, this portion of the portfolio can move to all cash if needed to reduce risk in the event of a market downturn.
The fixed income strategy is designed to both take advantage of changes in interest rate and inflation expectations, but also deliver a lower degree of volatility to the overall portfolio. The primary focus of the fixed-income portfolio is to protect capital, generate income, and lower overall portfolio volatility.
Commentary (as of 02/23/24
There isn’t much change from last week’s update. The market remains in a bullish trend holding above the 20-DMA. The markets are extended and the sentiment is extremely bullish. Such suggests that while the market may try and grind higher, the upside remains somewhat limited without a correction to reset buyers and sellers.
As is always the case, the timing of that correction is unknown. With that risk present, we encourage plan participants to rebalance holdings back to target weights and, if close to retirement, consider increasing defensive holdings for the time being. Yes, your portfolio will likely drag the market for a while, but when the correction comes, capital preservation will be worth it.
When our sell signals are triggered, we will reduce equity allocations in the models. However, there is nothing preventing you from getting ahead of that process if you are overly allocated to equity risk after the recent run-up.
Continue to use the model allocations above to balance your holdings accordingly. As we recommended all of last year, continue to underweight small/mid-capitalization stocks, as well as with International and Emerging Markets. If we begin to see relative performance improving in those areas we will make a recommendation to increase those exposures. However, outside of brief spurts of performance, the longer-term holding returns for these markets remain dismal.
For now, continue to remain predominately weighted in US Large Cap (S&P 500) markets. Money flows, due to passive investing, will continue to keep those stocks elevated.
As we get further into the New Year, we will be able to better recognize where money and allocations are rotating to and make further recommendations for there.
If you are close to retirement or are concerned about a pickup in volatility, there is nothing wrong with being very underweight equities. It is better to be safe than to give up dreams of retirement to rebuild lost wealtOn “
Model performance is a two-asset model of stocks and bonds relative to the weighting changes made each week in the newsletter. Such is strictly for informational and educational purposes only, and one should not rely on it for any reason. Past performance is not a guarantee of future results. Use at your own risk and peril.