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Smart

An index-based investing approach

Instead of offering traditional managed mutual funds, ShareBuilder 401ks are made up exclusively of exchange-traded funds — baskets of stocks which track a specific index, such as the S&P 500. Offering a combination of real variety, instant diversification, low operating costs, and true flexibility, ETFs are some of the most attractive investment options available.

Professional model portfolio selections

Asset allocation and diversification: complex subjects that are critical to your investment strategy. ShareBuilder keeps them simple with five model portfolios covering the full spectrum of risk tolerance and time-horizon requirements. Conservative, aggressive, or somewhere in-between — just select the style that fits your investment needs. Plus we offer free automatic rebalancing to maintain your allocations over the long term.

A Roth post-tax 401k option

With ShareBuilder, there’s no additional cost to include the Roth 401k option as one of your company’s offerings.

Why offer a Roth? Because in some cases, the eventual tax advantages are greater than with a traditional, pre-tax 401k. You probably know that with a traditional 401k, contributions and gains won’t be taxed until you withdraw them.

The Roth 401k works in reverse. You pay taxes on your contributions now, but those funds won’t be taxed again — and any gains earned won’t be taxed at all! With a Roth, your paycheck will take a bigger hit today, but you may benefit greatly come retirement. (Learn more about our optional Roth 401k.)

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