Investment Philosophy

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

Low-cost funds, built-in investment advice

We make it easy to save for your future

Making investment decisions can be hard, especially when you’re just getting started. Our automated investment advising does the heavy lifting so you can start saving in a few steps while minimizing fund fees.

Investment strategies should not be one-size-fits-all

Our portfolio design takes your personal circumstances into account. We automatically diversify your assets globally in low-cost mutual funds and rebalance quarterly based on your chosen portfolio preferences. Employees who want more flexibility can even choose and manage their own funds.

Funds from every major asset class and risk category

You’ll have access to nearly every mutual fund and index fund on the market, including low-cost funds from Vanguard, Dimensional Fund Advisors, BlackRock, Charles Schwab, and more.

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

Open-architecture investment platform with access to funds in every major asset class

Charles Scwhab
T. Rowe Price
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 with an eye on your long-term financial security.

Diversified portfolios

You shouldn’t put all your eggs in one basket. Our portfolios invest in asset types that 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. 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 FundTRPSX0.33%
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 FundVFTAX0.14%
International Stocks
DFA International Small CapDFISX0.52%
DFA International Small Cap ValueDISVX0.64%
DFA International ValueDFIVX0.39%
Vanguard Total International Stock Index AdmiralVTIAX0.11%
Vanguard Developed Markets Index AdmiralVTMGX0.07%
DFA Emerging Markets Small CapDEMSX0.67%
DFA Emerging Markets ValueDFEVX0.51%
Vanguard Emerging Markets Stock Index AdmiralVEMAX0.14%
Real Estate
DFA Global Real EstateDFGEX0.24%
Vanguard REIT Index AdmiralVGSLX0.12%
TIAA-CREF Core Impact 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 IndexVBLAX0.07%
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. Human Interest Advisors Corporation 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 advising 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 quarterly to the employee's account. 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.