SELF DIRECTED 401K
The irony is that self-directed doesn’t mean you’re on your own
Enjoy the flexibility of greater choices of investments inside your retirement plan and receive ongoing Portfolio Management and Financial Planning services. With a self directed retirement plan, you can make investments in your 401K or other employer sponsored retirement plan with the freedom of a brokerage account. A self-directed retirement plan is a brokerage account that resides within your employer-sponsored retirement plan. In addition to the limited choices typically offered by retirement plans, they let you invest in a much wider range of investments.
How it works:
Your Retirement Plan Provider must offer a self-directed retirement plan as part of your retirement plan in order for you to open an account.
Your employer will determine if your retirement plan's investment selection for plan includes only mutual funds or most available investments.
You decide how much money to transfer from your retirement plan into the self-directed option.
You invest your assets in any type of investment allowed.
Brokerage firms like Schwab and Fidelity are restricted from providing advice on these accounts because they may be deemed a fiduciary; however, most retirement plans allow you to appoint an independent advisor. That’s where Decision Investments fit in. Because we are a fiduciary for our clients, we can provide to you the same level of service we provide to all of our clients, in your plan.
Benefits
A self-directed retirement plan better helps you meet your retirement investment objectives by making available thousands of investments, depending on what your retirement plan allows including:
No-load, no-transaction-fee mutual funds from hundreds of leading fund companies
Stocks listed on all the major exchanges
Exchange-traded funds (ETFs)
CDs and money-market funds
Bonds and other fixed income investments.
So you end up with what sounds like an oxymoron… a self-directed 401K that is, in fact, managed by Decision Investments.
For a no cost, no obligation review of your 401K, including complimentary analysis of your existing holdings and proposed allocation, please fill out the form below: