Low-cost funds, built-in investment education
We make it easy to save for the future
Making investment decisions can be hard, especially when your employees are just getting started. Our diversified investment portfolios can do the heavy lifting so they can start saving in a few simple steps while minimizing fund fees.
Investment strategies should not be one-size-fits-all
Our portfolio design considers employees' risk profile and preferences. We automatically diversify assets globally in low-cost mutual funds and rebalance quarterly based on chosen portfolio preferences. Employees who want more flexibility can even choose and manage their own lineup from available funds.
Funds from every major asset class and risk category
Employers can select funds from nearly every mutual fund and index fund on the market. 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.
Open-architecture investment platform with access to funds in every major asset class
Our investment philosophy
Minimize expenses
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 an efficient way to optimize your portfolio.
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. We'll automatically rebalance your portfolio to ensure the appropriate level of diversification remains, keeping an eye on your long-term financial security.
Diversified portfolios
You shouldn’t put all your eggs in one basket. Our portfolios follow Modern Portfolio Theory, which has the goal of maximizing reward while minimizing risk. Accordingly, we invest in assets that should respond differently to market changes.
Take the right amount of risk
A 25-year-old and a 55-year-old should not have the same 401(k) strategy. We help you figure out how to best balance risk and reward.
Get started today
The sooner you start, the better so that you can take advantage of compounding returns over a longer period of time. Our simple, streamlined interface lets you get started in minutes.
Flexible, customizable 401(k) plans
Help your employees make the most of their retirement savings.
Our fund lineup
| Fund Name | Symbol | Expense Ratio |
|---|---|---|
| U.S. Stocks | ||
| TIAA-CREF Social Choice Equity Premier | TRPSX | 0.34% |
| Vanguard Total Stock Market Index Admiral | VTSAX | 0.04% |
| Vanguard 500 Index Admiral | VFIAX | 0.04% |
| Vanguard Value Index Admiral | VVIAX | 0.05% |
| Vanguard Growth Index Admiral | VIGAX | 0.05% |
| Vanguard Mid Cap Index Admiral | VIMAX | 0.05% |
| Vanguard Mid Cap Value Index Admiral | VMVAX | 0.07% |
| Vanguard Mid Cap Growth Index Admiral | VMGMX | 0.07% |
| Vanguard Small Cap Index Admiral | VSMAX | 0.05% |
| Vanguard Small Cap Value Index Admiral | VSIAX | 0.07% |
| Vanguard Small Cap Growth Index Admiral | VSGAX | 0.07% |
| Vanguard FTSE Social Index Admiral | VFTAX | 0.14% |
| International Stocks | ||
| DFA International Small Company Portfolio | DFISX | 0.39% |
| DFA International Small Cap Value I | DISVX | 0.42% |
| DFA International Value I | DFIVX | 0.29% |
| Vanguard Total International Stock Index Admiral | VTIAX | 0.11% |
| Vanguard Developed Markets Index Admiral | VTMGX | 0.07% |
| DFA Emerging Markets Small Cap I | DEMSX | 0.60% |
| DFA Emerging Markets Value I | DFEVX | 0.45% |
| Vanguard Emerging Markets Stock Index Admiral | VEMAX | 0.14% |
| Real Estate | ||
| DFA Global Real Estate Securities Portfolio | DFGEX | 0.24% |
| Vanguard Real Estate Index Admiral | VGSLX | 0.12% |
| Bonds | ||
| TIAA-CREF Core Impact Bond Premier | TSBPX | 0.53% |
| Vanguard Total Bond Market Index Admiral | VBTLX | 0.05% |
| Vanguard Short-Term Bond Index Admiral | VBIRX | 0.07% |
| Vanguard Intermediate-Term Bond Index Admiral | VBILX | 0.07% |
| Vanguard Long-Term Bond Index Admiral | VBLAX | 0.07% |
| Vanguard Short-Term Inflation-Protected Securities Index Admiral | VTAPX | 0.06% |
| Vanguard Total International Bond Index Admiral | VTABX | 0.11% |
| Cash | ||
| FDIC Insured Deposit Account |
