You can access our investment professionals to bring real expertise to their own employer sponsored retirement plan.
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
Let RIA ADVISORS Manage Your 401k For You
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 FEEX, 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 FEEX 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 8/05/2022)
As noted last week, the current market environment remains very challenging. Such continued this week as a strong employment report rattled “pivot” hopes. There are certainly plenty of reasons to be more bullish in the short term. However, there is a compelling bearish case given the Federal Reserve’s focus on combatting inflation.
We are also watching the 10-year treasury bond. Our long-term portfolio hedge has markedly improved in recent weeks and is close to completing an “inverse head and shoulders” pattern, which argues for high bond prices and lower yields. Such would result from tighter monetary policy and increased signs of slower economic growth and disinflation.
For now, maintain allocations, but continue to use rallies to rebalance holdings and manage risk.
As the market surges, we recommend following basic risk management protocols given the wide range of potential outcomes and no clear direction for markets.
- Re-evaluate overall portfolio exposures.
- Raise cash as needed. (Cash is a risk-free portfolio hedge)
- Review all positions (Sell losers/trim winners)
- Look for opportunities in other markets and assets.
- Add hedges to portfolios.
- Trade opportunistically.
- Drastically tighten up stop losses.
If the bulls are correct, removing hedges and increasing equity risk is simple.
However, if this is just a “bear market rally,” a more conservative portfolio will protect capital during the subsequent decline.
As we have noted over the last several weeks, using the models above, we continue to underweight international and emerging markets and small and mid-cap markets in exchange for large capitalization weighted holdings for now. Furthermore, continue to keep all NEW contributions stored in your cash alternative or stable value fund. If you don’t have access to either, use the shortest-duration bond fund in your choices.
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 have to give up dreams of retirement to rebuild lost wealth.