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LAST UPDATED: 15 January 2006
For only $39.99 per year, you will receive four quarterly newsletters. Compare this low fee versus similar services:
- Fidelity Advisor - $99/year
- Fidelity Monitor - $139/year
- Fidelity Insight - $177/year
- Fidelity Investor - $199/year
Our newsletter is not sent out monthly as we believe your portfolio should only be reviewed quarterly. Also, more and more funds have instituted short term trading fees, which charge you various percentage points if you buy and sell a fund within 30 to 180 days. The 401kNewsletter is distributed per the following schedule:
- January 15th
- April 15th
- July 15th
- October 15th
No matter when you sign up, you are guaranteed to receive four issues of the 401kNewsletter. So sign-up today to reserve your copy!
By subscribing you acknowledge the 401kNewsletter.com disclaimer policy.
The purpose of this website is to maximize the
performance of your 401k investments given your risk tolerance profile. We
primarily focus on Fidelity managed plans, but our selections can be adapted
to other 401k, IRA, and Roth IRA accounts.
Contact us today if you have any
questions regarding your unique plan and how the 401kNewsletter.com can
help.
Every employee, in one phase or another, solves problems on a daily basis, yet most do not look at their 401k plan more than a few times a year. Even if one does evaluate their plan once a quarter, which is the minimum recommended time between portfolio reviews, most do not modify their elections or holdings – they just sit back and watch their funds regardless of how well they do.
401knewsletter.com has developed proprietary tools to analyze the mutual funds available in most Fidelity 401k plans. This tool evaluates and selects the best mutual funds available in each asset allocation sub-category (i.e. large cap, mid cap, etc). The model portfolios (see below) are updated in each quarterly newsletter. Asset allocation can be summed up as the process of determining optimal allocations for the broad categories of assets (such as stocks, bonds, cash, etc) that suit your investment time horizon and risk tolerance. The allocation you choose is probably the most important decision you will have to make and may account for more than 80% of the return of your retirement portfolio.
Each asset sub-category will generally have different levels of return and risk. They also behave differently. At the time one asset is increasing in value, another may be decreasing or not increasing as much and vice versa. The goal of asset allocation is to diversify your holdings and minimize the overall risk of your portfolio while still maintaining upside potential. 401kNewsletter.com currently offers six asset allocation models. These models are:
- JAG’s Growth – a custom, very aggressive allocation designed for people with a high-risk tolerance and greater than 20 years until retirement.
- Aggressive Growth – an aggressive allocation for people with a high-risk tolerance and greater than 20 years until retirement.
- Wealth Building – an aggressive-to-moderate allocation for people with a medium risk tolerance and greater than 15 years until retirement.
- Moderate Growth – a moderate-to-conservative allocation for people with low risk tolerance and greater than 5 to 10 years until retirement.
- Capital Preservation – a conservative allocation for people with very low risk tolerance and less than 5 years until retirement.
- theUltra Portfolio – HIGH VOLATILITY! One powerful segment to some Fidelity managed 401k plans is the Brokerage Link account. For $75 a year, $18.75 taken out of your primary account every quarter, you have the option of buying almost any mutual fund available as well as trade individual stocks. The only drawback to the Brokerage Link account is that it is managed by Fidelity; meaning there are hundreds of funds not available and the fees to purchase stocks are high in comparison with other online brokers.
NOT
ALL FIDELITY 401k PLANS ARE CREATED EQUAL
The fund list we
utilize in the aforementioned models is a standard pull of a Fidelity
managed 401k plan that offers 190+ mutual funds. Now you might be
saying, "My Fidelity 401k plan does not offer 190 mutual funds; it
only offers 20 funds to chose from."
As a member of 401kNewsletter.com, feel free
to send us an email listing the funds available in your companies 401k plan
and we will do our best to incorporate the offerings in our
401kNewsletter.com model portfolios. As of July 1, 2005, we now
publish an appendix to our newsletter featuring Fidelity's Mutual Fund
Window (approximately 170 mutual funds). If your company has the
Fidelity Mutual Fund Window, we've got you covered!
CORPORATIONS - FIDUCIARY
RESPONSIBILITY
401kNewsletter.com is branching out into the corporate market segment of
401k newsletters. If you or your corporation is interested please contact
us today at
corporate@401knewsletter.com and we will be happy to discuss a
customized report with volume discounts. It is a inexpensive way to provide
an additional employee benefit while at the same time meet your fiduciary
responsibility in providing retirement plan information.
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