Investment Funds and Philosophy

Why we offer investment advice

  • Financial literacy is a big part of our mission: Our 401(k) plans include optional, automated investment advising to help make it easy for employees to save for their future. Setting up a 401(k) or getting started with investing can be overwhelming; we’re here to help.

  • Investment strategies should not be one-size-fits-all: Our automated investment advising will help employees diversify globally, rebalance quarterly, and avoid hidden fees — all done automatically while taking our customers’ personal circumstances into account.

Our customers have access to nearly every mutual fund and index fund on the market (over 30,000 options!), including funds from Vanguard, Dimensional Fund Advisors, BlackRock, Oppenheimer, Charles Schwab, and more.

Human Interest’s recommended investment lineup includes low-cost Vanguard index funds from every major asset class and risk category.

Unlike other 401(k) providers, Human Interest does not accept kickbacks, so we have no financial incentive to recommend any particular fund.

Employees who want more flexibility can choose and manage their own funds.

Investment advice by Human Interest Advisors, LLC, an SEC-Registered Investment Adviser.

What we offer

How we do it

  • Invest today: The sooner you start, the better. Our easy interface will make the first step much more doable.

  • Take the right amount of risk: A 25-year-old and a 55-year-old should not have the same 401(k) strategy. We’ll help you figure out how to best balance risk and reward.

  • Be sure to diversify: Don’t put all your eggs in one basket! We help spread out funds with an allocation that is optimized for your situation.

  • Reduce unnecessary costs: Just as interest compounds, so can fees. Extra fees can end up costing you a fortune in the long run. Low-cost index funds are the most efficient way to grow your hard-earned money.

  • Avoid performance chasing: 401(k)s are a long-term investment, not a short-term bet. We’ll help you stay the course so you can weather the inevitable ups and downs of the market with an eye on your long-term financial security.

Open-architecture investment platform with access to 30,000+ investment funds

investment platform logos

Typical Portfolio Holdings Across Various Asset Classes

Fund NameSymbolExpense Ratio
U.S. Stocks
TIAA Social Choice Equity FundTRPSX0.34%
Vanguard Total Stock Market Index AdmiralVTSAX0.04%
Vanguard 500 Index AdmiralVFIAX0.04%
Vanguard Value Index AdmiralVVIAX0.06%
Vanguard Growth Index AdmiralVIGAX0.06%
Vanguard Mid Cap Index AdmiralVIMAX0.06%
Vanguard Mid Cap Value Index AdmiralVMVAX0.07%
Vanguard Mid Cap Growth Index AdmiralVMGMX0.07%
Vanguard Small Cap Index AdmiralVSMAX0.06%
Vanguard Small Cap Value Index AdmiralVSIAX0.07%
Vanguard Mid Cap Growth Index AdmiralVMGMX0.07%
Vanguard Small Cap Growth Index AdmiralVSGAX0.07%
Vanguard FTSE Social Index FundVFTSX0.22%
International Stocks
DFA International Small Cap ValueDISVX0.68%
DFA International Small CapDFISX0.53%
DFA International ValueDFIVX0.43%
Vanguard Total International Stock Index AdmiralVTIAX0.11%
Vanguard Developed Markets Index AdmiralVTMGX0.07%
DFA Emerging Markets Small CapDEMSX0.72%
DFA Emerging Markets ValueDFEVX0.56%
Vanguard Emerging Markets Stock Index AdmiralVEMAX0.14%
Real Estate
DFA Global Real EstateDFGEX0.24%
Vanguard REIT Index AdmiralVGSLX0.12%
Bonds
TIAA Social Choice Bond FundTSBPX0.55%
Vanguard Total Bond Market Index AdmiralVBTLX0.05%
Vanguard Short-Term Bond Index AdmiralVBIRX0.07%
Vanguard Intermediate-Term Bond Index AdmiralVBILX0.07%
Vanguard Long-Term Bond IndexVBLTX0.15%
Vanguard Short-Term Inflation-Protected Securities Index AdmiralVTAPX0.07%
Vanguard Total International Bond Index AdmiralVTABX0.12%
Cash
FDIC Insured Deposit Account

Flexible, customizable 401(k) plans

Help your employees make the most of their retirement savings.