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 12/02/2022
Last week, we stated:
“While it is hard to imagine a scenario where the US does NOT enter a recession next year, there always remains a possibility such could occur. Currently, the market is trading as if this is the most likely outcome and the worst of the economic news has already gotten priced into the market.”
That remains the case this week, as bullish exuberance has pushed the market above the 200-dma and turned the weekly buy signals into confirmation. Such has historically suggested a market bottom is in and argues for larger exposures to equity risk.
However, with that said, it still remains difficult to become overtly bullish given the aggressive rate hikes over the past year, and tighter monetary policy to come. But employment remains strong and, so far, consumption continues to hold economic growth intact. The only question is how long before that changes.
As noted, the recent rally has turned the long-term MACD signal onto a “buy” which now confirms the short-term buy signal. With the market bouncing off of the bullish long-term trend support level, such would suggest the current correction is over within the context of the longer-term bullish trend channel.
We suggest remaining underweight in equities and overweight in cash alternatives and short-duration bonds. However, we are now looking to start increasing the duration of our fixed income holdings and will look to increase equity risk somewhat on a pullback that holds support.
Continue managing risk for now. We will give you instructions on when to increase exposure as it occurs.
- Tighten up stop-loss levels to current support levels for each position.
- Hedge portfolios against significant market declines.
- Take profits in positions that have been big winners
- Sell laggards and losers.
- Raise cash and rebalance portfolios to target weightings.
Notice, nothing in there says, “sell everything and go to cash.”
With the market still flailing around previous 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
