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How Much Risk Do Your 401(k) Managers Take? Created by

David Gratke

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How Much Risk Do Your 401(k) Managers Take?
Article Source with downloads: http://tinyurl.com/k4pcv5b

With global financial markets starting to display perhaps a bit of panic with the emerging markets acting as the catalyst, we simply ask employers, how much risk do your investment managers take on the way down, when markets are in decline?

We find many investment managers are lopsided; they take on more risk during declining markets, and generate less return during advancing markets. Let us help you identify those managers.

Enter the Fiduciary Investment Review™

The objective of the Fiduciary Investment Review™ includes recommendations for fund additions, deletions and replacements via our Scorecard System™.

“CFOs, CEOs, Presidents and other fiduciaries have personal liability for assets in the company’s retirement plan. It is crucial that plan sponsors partner with an independent firm specializing in services that reduce exposure to fiduciary liability.”

Our Scorecard System™ methodology incorporates both quantitative and qualitative factors in evaluating fund managers and their investment strategies. The Scorecard System is built around a pass/fail criterion, on a scale of 0 to 10 (with 10 being the best) and has the ability to measure Active, Passive and Asset Allocation investing strategies.

Our system simply works; over 93% of funds scoring acceptably were outperforming the benchmarks at the beginning and end of our studies. We identify managers with skill and future outperformance potential.
The majority of the time we are able to recommend a better manager selection within your existing 401(k) provider platform. You do not need to change vendors to enhance the quality of your investment managers. Most 401(k) vendors offer hundreds of investment options. Our skilled, systematic approach cuts through all the noise and provides a select list of manager based upon a sound process.

You may wish to ask yourself, what process did you use to initially select your managers and further, what process do you employ to monitor these managers along the way? Let us help.

Gratke Wealth, along with Retirement Plan Advisory Group, protects plan fiduciaries from liability, while enhancing investment opportunities and assisting participants achieve financial security. We are proud of our commitment to excellence, and welcome the opportunity to serve your organization. Our team stands ready to answer questions that may develop during your review of this information.

As a member of the largest retirement plan advisory group in the nation, managing over 25,000 plans with over $115 billion in retirement assets, our company has the tools necessary to analyze and optimize your team's retirement plan for the best possible outcome for your participants. We maintain one of the largest 401(k) provider databases in the nation (over 80 providers), and we as a group, are knowledgeable regarding provider fees, investments and service levels. Our firm does more retirement plan benchmarking that any other 401k consulting firm in the nation. Our proprietary Fiduciary Investment Review™ and companion B3 Provider Analysis System™ is renown for finding service providers with skill, not just performance. Our benchmarking tools are based upon this suite of knowledge and experience.

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