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Investment Philosophy

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

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Low-cost funds, built-in investment education

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 they can start saving in a few simple steps while managing fund fees.

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, we automatically diversify assets in low-cost mutual funds and rebalance quarterly based on your age. You can further refine the model portfolio allocation’s risk profile. Those who want more flexibility can even choose and manage your own lineup from available funds.

Funds from every major asset class

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

We deliver investment education to participants and advice to plans through Human Interest Advisors, LLC, an SEC-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, we'll automatically rebalance your portfolio to help ensure an appropriate level of diversification and the portfolio allocation remains in line with your selected risk level.

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 assure 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.

Get started today

The sooner you start, the better. That way, you can take advantage of compounding returns over a longer period of time. Our simple, streamlined interface helps you get started in minutes.

Flexible, customizable 401(k) plans

Help your employees make the most of their retirement savings.

Our 3(38) fund lineup*

Fund NameSymbolExpense Ratio
U.S. Stocks
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 Value Index AdmiralVMVAX0.07%
Vanguard Mid Cap Growth Index AdmiralVMGMX0.07%
Vanguard Small Cap Index AdmiralVSMAX0.05%
Vanguard Small Cap Value Index AdmiralVSIAX0.07%
Vanguard Small Cap Growth Index AdmiralVSGAX0.07%
Vanguard FTSE Social Index AdmiralVFTAX0.14%
International Stocks
DFA International Small Company PortfolioDFISX0.39%
DFA International Small Cap Value IDISVX0.42%
DFA International Value IDFIVX0.29%
Vanguard Total International Stock Index AdmiralVTIAX0.11%
Vanguard Developed Markets Index AdmiralVTMGX0.07%
DFA Emerging Markets Small Cap IDEMSX0.60%
DFA Emerging Markets Value IDFEVX0.45%
Vanguard Emerging Markets Stock Index AdmiralVEMAX0.14%
Real Estate
DFA Global Real Estate Securities PortfolioDFGEX0.24%
Vanguard Real Estate Index Fund AdmiralVGSLX0.12%
TIAA-CREF Core Impact Bond PremierTSBPX0.55%
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 Index AdmiralVBLAX0.07%
Vanguard Short-Term Inflation-Protected Securities Index AdmiralVTAPX0.06%
Vanguard Total International Bond Index AdmiralVTABX0.11%
FDIC Insured Deposit Account


*Any reference to the advisory services refers to Human Interest Advisors, a subsidiary of Human Interest, Inc. Human Interest Advisors is an investment adviser registered with the Securities and Exchange Commission (SEC). Registration does not imply a certain level of skill or training nor does it imply endorsement by the SEC. Model portfolios are optional; participants can choose to manage their own funds from the available fund offered in their employer plan lineup.

**A Human Interest Advisory Fee of 0.50% of plan assets per year plus average fund expenses of 0.07% per year is billed to the employee's account according to the Terms of Service. In the event that the plan sponsor utilizes a third-party advisor, the additional third-party advisor fee would be defined as part of a separate agreement. For plan admins who choose 3(21) investment advisory services, fund fees may vary depending on chosen investments. More than 90% of participants opt to use our auto-investment portfolio, which comes with a 0.07% average fund fee.

***When a Plan chooses the 3(38) Fiduciary Investment Manager Service, Human Interest Advisors will select, monitor, and revise the menu of investment options. As of 9/30/22, the investment menu outlined on this page is offered.