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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
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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.
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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 9/29/2023)
The market took a hit this week once again as the summer weakness continued. While many attributed the decline in stocks and rise in bond yields to the recent Fed projections of “higher for longer,” the action this week seemed more akin to end-of-the-quarter rebalancing for fund managers. Furthermore, September 30th marked the fiscal year-end for about 20% of fund managers who needed to make distributions and redemptions. Nonetheless, the market declined this week, with only minor support holding the market in place.
The market held support at the 150-DMA, which is acting as minor support. A violation of that level will see the markets quickly test the 200-DMA. If this market is going to maintain its bullish footing it must hold support and begin to firm up next week.
For now, there is no change to the bullish backdrop of the market, and nothing suggests a need to become more cautious near term. It is always possible that analysis could change over the next couple of weeks, and if it does, we will suggest reducing equity exposure and becoming more cautious.
As shown below, the WEEKLY, MACD “buy signals” remain intact from their October lows, however, there short-term MACD has triggered a short-term sell signal. We will monitor it, and the markets, closely to see if a reduction in equity exposure is needed. If the longer-term MACD confirms the short-term signal, we will need to rethink our positioning.
We previously recommended that investors should remain underweight small/mid-capitalization stocks, as well as with International and Emerging Markets; we continue to recommend remaining underweight in those areas. However, if you choose to remain predominately weighted in US Large Cap (S&P 500) markets, that is fine as money flows, due to passive investing, will continue to keep those stocks elevated.
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.