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 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

Vanguard
Invesco
BlackRock
Charles Scwhab
TIAA CREF
T. Rowe Price
Fidelity
American Funds

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 NameSymbolExpense Ratio
U.S. Stocks
TIAA-CREF Social Choice Equity PremierTRPSX0.34%
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 AdmiralVGSLX0.12%
Bonds
TIAA-CREF Core Impact Bond PremierTSBPX0.53%
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%
Cash
FDIC Insured Deposit Account

Disclosures

*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. Built-in investment guidance is optional; participants can choose to manage their own funds.

**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.