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 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 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 investment philosophy
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.
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.
Our 3(38) fund lineup3,4
|Vanguard Total Stock Market Index Admiral
|Vanguard 500 Index Admiral
|Vanguard Value Index Admiral
|Vanguard Growth Index Admiral
|Vanguard Mid Cap Index Admiral
|Vanguard Mid Cap Growth Index Admiral
|Vanguard Mid Cap Value Index Admiral
|Vanguard Small Cap Index Admiral
|Vanguard Small Cap Growth Index Admiral
|Vanguard Small Cap Value Index Admiral
|Vanguard FTSE Social Index Admiral
|DFA International Small Company Portfolio
|DFA International Small Cap Value I
|DFA International Value I
|Vanguard Total International Stock Index Admiral
|Vanguard Developed Markets Index Admiral
|DFA Emerging Markets Small Cap I
|DFA Emerging Markets Value I
|Vanguard Emerging Markets Stock Index Admiral
|TIAA-Cref Core Impact Bond Instl
|Vanguard Total Bond Market Index Admiral
|Vanguard Short-Term Bond Index Admiral
|Vanguard Intermediate-Term Bond Index Admiral
|Vanguard Total International Bond Index Admiral
|Vanguard Short-Term Inflation-Protected Securities Index Admiral