Participant Solutions
You can access our investment professionals to bring real expertise to their own employer sponsored retirement plan.
Participant Plans
Does 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.
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401k Plan Manager
CORE STRATEGY
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.
TACTICAL STRATEGY
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.
FIXED INCOME
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.
0% Bonds
20% Bonds
40% Bonds
60% Bonds
80% Bonds
100% Bonds
Commentary (as of 9/30/2022)
It was another tough week for equities and bonds as more hawkish language from the Fed kept buyers sidelined for now. Quarter-end portfolio rebalancing also kept downward pressure on stocks, and the Bank Of England needed to bail out potential Pension Fund problems due to surging interest rates.
That action by the BOE, and the recent interventions by the Bank of Japan (BOJ) were both examples of rising financial instability. While such as not entered the US Market as of yet, does not mean that it won’t. As the Fed continues to tighten monetary policy, the rise in the dollar and long-term interest rates are multiplying the impact of tighter monetary policy. The risk of a policy mistake has risen markedly as of late.
Markets broke through this years lows and suggest further downside exists for now. The good news is that markets are deeply oversold and a reflexive rally is likely. Such a rally should be sold for now to raise cash and reduce risk. October is the start of the seasonally strong period, hopefully providing investors with a better exit point to rebalance portfolios for now.
With the longer-term MACD signals remain on a sell signal, the risk is to the downside. To reiterate, from a technical perspective, the markets are sufficiently 0versold short-term. Therefore, use rallies to increase cash levels and reduce overall portfolio risk.
Short- and long-term investors should continue to follow the risk management rules.
- 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.
With the market breaking to new lows, it is important for markets to rally next week to negate further downside risk. A failure to do so will suggest further downside coming and a need for higher cash levels.
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 wealth.
Model Performance
