Human Interest Blog

Posted 06/20/2018

Why Small Business Owners Don’t Offer a 401(k), But Why They Should (And How They Can!)

An American Express Survey in 2013 said 60% of small business owners were not saving the money they needed for retirement. This means many of their employees are likely not saving enough for retirement either. However, a small business 401(k) carries with it not only an inredible employee benefit, but also spacial tax incentives that… Read More

Personal Finance

Posted 06/01/2018

Common Cents Lab 2018 – Behavioral Science in Retirement Savings

At Human Interest, we are on a mission to enable every small business in America to provide an affordable retirement solution to their employees. Historically, small businesses have had a difficult time offering 401(k)s to their employees, both for financial and administrative reasons. So, we make it possible for any company to offer a customizable,… Read More

Personal Finance

Posted 02/09/2018

What to Do When Your 401(k) Loses Value

5-day period: February 3rd to February 8th, 2018 38-year period: 1980-2018 You’re socking money away in a 401(k) because you think it’ll increase in value over time and give you something to live off of during retirement. But then you check your account and find out you have less money now than you contributed in… Read More

Startups

Posted 02/05/2018

Startup Employee Handbook Template

Create the best employee handbook for your small business! We know that the idea of writing an employee handbook may seem daunting, even boring, but that’s where we come in. With this template, we’ve done most of the heavy lifting, you just need to look it over, fill in some blanks, and tweak it to… Read More

Personal Finance

Posted 01/02/2018

Is Using Bitcoin for Your 401(k) a Good Idea?

One of the most talked about investment opportunities of 2017 was bitcoin – a digital currency issued based on computer algorithms instead of being issued by banks or governments. If you had purchased one bitcoin back on January 2, 2017, you would have paid $989.13. That same bitcoin would have been worth about $16,496.80 on… Read More

Small Business

Posted 12/14/2017

What You Need to Know About the IRS Annual 401(k) Audit Requirement

The word audit can evoke a slew of emotions: dread, fear, concern, just to name a few. But when it comes to audits of your company 401(k) plan, you can avoid some of those worries with just a little bit of preparation and support. Understand your obligation: does your 401(k) need an external audit? First,… Read More

Personal Finance

Posted 03/01/2018

Moral Objections to the Funds in Your 401(k): What Can You Do?

When you contribute to your 401(k), you can often choose to invest your money in one or several funds. These funds, in turn, invest in dozens or hundreds of individual stocks. As a result, you become a partial (albeit likely a very, very small) part-owner of those companies. That may be an exciting prospect for… Read More

Startups

Posted 02/07/2018

Captain401 is Now Human Interest!

History When we started Captain401 back in 2015, our aim was simple: to provide small businesses and startups with affordable, accessible, 401(k)s. Nearly every option for obtaining a company-sponsored retirement plan was either prohibitively expensive, unnecessarily confusing, or just too time consuming to set up and administer (sometimes all three!). As a result, many companies… Read More

Small Business

Posted 02/05/2018

Small Business Employee Handbook Template

Create the best employee handbook for your small business! As the owner of a small business, we know that writing an employee handbook may not be top priority, but that’s where we come in. We’ve created this template to save you some time and help make this process as painless as possible. All you have… Read More

Personal Finance

Posted 12/14/2017

7 End of Year Financial To-do Items

As 2017 draws to a close, year-end financial planning may not seem like a priority. However, getting all of your home finances in order now will help set you up for success in the new year. With this helpful checklist of seven to-do items, you’ll be able to enter 2018 organized and ready to go…. Read More

Personal Finance

Posted 10/25/2017

401(k) Legislation: Republican Tax Reform Bill for Contribution Limit Decreases in 2018

The 401(k)’s high contribution limit has helped many American workers create a sizable collective piggy bank – estimated at $5.1 trillion in assets by the Investment Company Institute as of June 30, 2017. As lawmakers draft the latest approaches to tax reform, the are looking to enact several tax cuts, they have to come up… Read More