Taking the Costs out of 401(k) Plans to Help You Save More
ShareBuilder 401k is designed to increase your service and lower your costs to provide you exceptional value. We want you and your employees to get the most out of your investments.
We believe that keeping costs low and minimizing the drag on your plan savings are essential for bigger nest eggs.
Three Ways We Cut the Costs out of 401(k) Plans
We sell direct with no investment pass through fees (e.g. 12b-1s, Sub-TA) or revenue sharing.
Unlike 401(k) plans sold through many financial advisers or insurance agents, our 401(k) Advisors sell direct and aren’t paid revenue sharing or ongoing trails. Some providers may tuck or hide 401(k) costs within insurance or mutual fund expenses making it difficult to determine what services you are paying for and at what cost. These amounts may even vary by fund. And of course, our investment roster is trail-free. Cutting out revenue sharing is a great way to lower costs for you too.
We use index funds that have lower expense ratios (which allow you to have more of your money invested).
Index funds tend to offer lower expenses than actively-managed fund options. Because index funds are built and modeled to track a specific index (e.g. the S&P 500), they do not incur all the added trading and management costs typical with actively-managed funds. Many actively-managed funds can also contain 12b-1, revenue sharing and potentially other fees. Moreover, historically most actively-managed funds underperform their benchmark index over five, ten, and fifteen-year periods.
Our size and technology allow us to leverage scale for your benefit.
ShareBuilder Advisors serves over 6,000 clients, and we are now adding more than 1,000 new clients to our solutions each year. With ShareBuilder 401k, we bundle our investment expertise with a top independent retirement recordkeeper to seamlessly run your plan. Our investment approach, client size, and our technology integration enable us to offer pricing that’s hard to beat. All our plans are purchased and setup digitally, so there is no paperwork, and its helps make the purchase and plan establishment simple and fast too.
Unlike 401(k) plans sold through many financial advisers or insurance agents, our 401(k) Advisors sell direct and aren’t paid revenue sharing or ongoing trails. Some providers may tuck or hide 401(k) costs within insurance or mutual fund expenses making it difficult to determine what services you are paying for and at what cost. These amounts may even vary by fund. And of course, our investment roster is trail-free. Cutting out revenue sharing is a great way to lower costs for you too.
Index funds tend to offer lower expenses than actively-managed fund options. Because index funds are built and modeled to track a specific index (e.g. the S&P 500), they do not incur all the added trading and management costs typical with actively-managed funds. Many actively-managed funds can also contain 12b-1, revenue sharing and potentially other fees. Moreover, historically most actively-managed funds underperform their benchmark index over five, ten, and fifteen-year periods.
ShareBuilder Advisors serves over 6,000 clients, and we are now adding more than 1,000 new clients to our solutions each year. With ShareBuilder 401k, we bundle our investment expertise with a top independent retirement recordkeeper to seamlessly run your plan. Our investment approach, client size, and our technology integration enable us to offer pricing that’s hard to beat. All our plans are purchased and setup digitally, so there is no paperwork, and its helps make the purchase and plan establishment simple and fast too.
Automatic Pricing Discounts
The more you and your employees save with your 401(k) plan, the more you save with ShareBuilder 401k. Once your plan exceeds a pricing tier, the savings on your investment management and/or administration costs automatically kicks in. This program has helped clients continually lower costs and eliminate the hassle and pain of regularly negotiating expenses.
Learn More
You should carefully consider information contained in the fund's prospectus, including investment objectives, risks, charges and expenses. For a prospectus containing this and other important information, please visit the fund's detailed quote page in the Our Investments section of the website or give us a call at 800-431-7934. Please read the prospectus carefully before investing.