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 portfolios 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 Portfolio, 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 your own lineup from available funds.

Mutual funds from every major asset class

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.¹

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 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 Portfolio, 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 best balance risk and reward.