

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 Name | Symbol | Expense Ratio |
---|---|---|
U.S. Stocks | ||
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 Fund Admiral | VGSLX | 0.12% |
Bonds | ||
TIAA-CREF Core Impact Bond Premier | TSBPX | 0.55% |
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 |