Investment Advice

Diversification, low-cost funds, and a long-term strategy.

Low-cost funds, built-in investment advice

We make it easy to save for the future

Making investment decisions can be hard, especially when you’re just getting started. Our model portfolios1 can help do the heavy lifting so you can start saving in a few simple steps while keeping fees low with low-cost index funds.

Investment strategies should not be one-size-fits-all

Our model portfolio design can be customized to your risk tolerance. If you select a Human Interest Model Portfolio1, we automatically diversify assets in low-cost mutual funds and rebalance quarterly based on your age and expected years until retirement. You can further refine the model portfolio allocation’s risk profile by completing a Risk Tolerance Questionnaire. Those who want more flexibility can even choose and manage their own lineup from available funds.

Mutual funds from a wide range of asset classes

Employers can select mutual funds, including index mutual funds, from nearly every major asset class. We offer several low-cost funds from leading investment companies, such as Vanguard, Dimensional Fund Advisors, TIAA-CREF, and more.2

We deliver investment advice to plan participants and Plan Sponsors through Human Interest Advisors LLC, a Registered Investment Adviser and a subsidiary of Human Interest Inc.

Our 3(38) fund lineup3,4

U.S. Stocks

Fund NameSymbolExpense Ratio
Vanguard Total Stock Market Index AdmiralVTSAX0.04%
Vanguard 500 Index AdmiralVFIAX0.04%
Vanguard Value Index AdmiralVVIAX0.05%
Vanguard Growth Index AdmiralVIGAX0.05%
Vanguard Mid Cap Index AdmiralVIMAX0.05%
Vanguard Mid Cap Growth Index AdmiralVMGMX0.07%
Vanguard Mid Cap Value Index AdmiralVMVAX0.07%
Vanguard Small Cap Index AdmiralVSMAX0.05%
Vanguard Small Cap Growth Index AdmiralVSGAX0.07%
Vanguard Small Cap Value Index AdmiralVSIAX0.07%
Vanguard FTSE Social Index AdmiralVFTAX0.14%

International Stocks

Fund NameSymbolExpense Ratio
DFA International Core Equity IDFIEX0.230%
DFA International Value IDFIVX0.28%
Vanguard Total International Stock Index AdmiralVTIAX0.12%
Vanguard Developed Markets Index AdmiralVTMGX0.07%
DFA Emerging Markets Small Cap IDEMSX0.59%
DFA Emerging Markets Value IDFEVX0.44%
Vanguard Emerging Markets Stock Index AdmiralVEMAX0.14%

Real Estate

Fund NameSymbolExpense Ratio
DFA Global Real Estate Securities PortfolioDFGEX0.22%
Vanguard Real Estate Index Fund AdmiralVGSLX0.12%


Fund NameSymbolExpense Ratio
Nuveen Core Impact Bond R6TSBIX0.37%
Vanguard Total Bond Market Index AdmiralVBTLX0.05%
Vanguard Short-Term Bond Index AdmiralVBIRX0.07%
Vanguard Intermediate-Term Bond Index AdmiralVBILX0.07%
Vanguard Total International Bond Index AdmiralVTABX0.11%
Vanguard Short-Term Inflation-Protected Securities Index AdmiralVTAPX0.06%

Cash Equivalents

Fund NameSymbolExpense Ratio
FDIC Insured Deposit Account--
Vanguard Federal Money Market InvestorVMFXX0.11%

Our investment philosophy

Expense management

Just as interest compounds, so can fees. Extra fees can end up costing a fortune in the long run. We believe low-cost index funds are an efficient way to optimize a portfolio.

Avoid performance chasing

401(k)s are a long-term investment, not a short-term bet. We’ll help you stay the course and help you weather the inevitable ups and downs of the market. For those in a Human Interest Model Portfolio1, we'll automatically rebalance your portfolio to help ensure an appropriate level of diversification and that the portfolio allocation remains in line with your selected risk level. Rebalancing does not ensure a profit or protect against loss.

Diversified portfolios

You shouldn’t put all your eggs in one basket. Our model portfolios follow Modern Portfolio Theory, which has the goal of maximizing reward for a given level of risk. Accordingly, our models are designed to help you invest across several asset classes to spread out your risk. Diversification does not ensure a profit or protect against loss.

Take the right amount of risk

A 25-year-old and a 55-year-old typically should not have the same 401(k) strategy. We offer tools and resources to help you figure out how to balance risk and reward.



Investment advisory services are offered through Human Interest Advisors LLC, a Registered Investment Adviser and subsidiary of Human Interest Inc. An investment advisory fee is paid to Human Interest Advisors (HIA) of 0.01% of plan assets and a separate fee for recordkeeping services and custody-related expenses is paid to Human Interest Inc. (HII) of 0.05% of plan assets. Both fees are deducted on a monthly basis from the employee's account according to the HII and HIA Terms of Service. All prices are exclusive of applicable taxes. If the plan sponsor elects to hire an external investment advisor, the plan sponsor will pay such advisor as agreed between the plan sponsor and advisor. For more information, please see our pricing page.


This should not be construed as a recommendation to buy or sell any investment and does not represent all fund managers whose funds are available for employers to choose from. Consult a financial professional regarding your personal situation before making any investment decisions.


When a Plan chooses the 3(38) Fiduciary Investment Manager Service, Human Interest Advisors will have the discretionary authority to select, monitor, and revise the menu of investment options. As of 3/31/24, this is the investment menu offered.

Investment menu is actively monitored and is subject to change. The funds listed should not be considered a recommendation to buy or sell any security. Plan Sponsor must select either 3(21) Fiduciary Investment Advisor Service or 3(38) Fiduciary Investment Manager Service. If 3(21) Fiduciary Investment Advisor Service is selected, Human Interest Advisors helps Plan Sponsor to determine recommended additions to and/or replacements of the Plan’s main menu of investment alternatives, but the Plan retains ultimate authority to monitor and select investment options for the menu. Regardless of the service selected, all Plans are required to make available to Participants the investment options utilized by the Human Interest Model Portfolios. The funds used in the Human Interest Model Portfolios represent a portion of the 3(38) fund lineup. Please review our Terms of Service for more information.


Expense ratios shown are as of 3/31/24 and are net of fees. See fund prospectus for additional information.


This content has been prepared for informational purposes only, and should not be construed as tax, legal, or individualized investment advice. Human Interest Advisors LLC does not provide tax or legal advice. Consult an appropriate professional regarding your situation. The views expressed are subject to change. In the event third-party data and/or statistics are used, they have been obtained from sources believed to be reliable; however, we cannot guarantee their accuracy or completeness. Investing involves risk, including risk of loss. Past performance does not guarantee future results.