a smarter way to (k)
a smarter way,
With an intellicents bioni(k) managed account, you can personalize your retirement to be all about you.
of plans use target date funds as a QDIA - and many participants stay in that option1
BUT should all 45-year-olds be invested exactly the same way? Or for that matter, all 30-year-olds?
welcome to the evolution of in-plan participant advice.
how is this different than a target date fund?
single variable vs. a dozen variables
bringing a financial planning approach to your (k)
more than just asset allocation
A custom retirement savings strategy that provides:
plan savings rate recommendation
personalized asset allocation
taking into account both your current plan AND outside assets
retirement withdrawal strategies
Social Security optimization
the measurable impact of managed accounts
50% higher savings rates2
based on 6% deferral rate for managed account user vs. 4% for a target date fund investor
less variation in returns for managed account users vs. do-it-yourself investors
23% more income in retirement4
estimated income in retirement compared to standard withdrawal strategy of 4%
(adjusted for inflation)
1 Callan Institute, "2018 Defined Contribution Trends."
2 Morningstar Investment Management. The Impact of the Default Investment Decision on Participant Deferral Rates: Managed Accounts vs. Target Date Funds 2016.
3 Advised Assets Group, LLC (AAG), Internal Rate of Return (IROR) All Segments Study, 2017. The participant return distribution included in this study is used to illustrate the difference between those participants within the 90th percentile and the 10th percentile to preserve statistical integrity of the data reported. Refer to the study for additional disclosures and methodologies.
4 Morningstar Investment Management, LLC, Alpha, Beta, and Now...Gamma. August 28, 2013.