Plan participants may choose to utilize a set of managed portfolios matching a respective risk and return profile or select from a wide range of carefully selected mutual funds. Our consultants work to ensure the overall plan meets the needs of individual plan participants as well as plan sponsors. Each plan receives a detailed investment policy statement outlining all investment and program design requirements.
Diversification is the key to maintaining and improving investment performance. Ninety percent of a portfolio’s return is determined by asset class performance, with individual stock performance accounting for only a small portion of the variability in a portfolio’s return. Therefore, it is more important to have exposure to all asset classes versus attempting to own certain stocks. Long term asset appreciation and capital preservation is due to asset allocation investment strategies. BAC Capital Advisors, LLC offers proven asset allocation strategies aimed at preserving and enhancing your wealth generation efforts.
True success behind an employee benefits plan lies within consistent and constant communication. It starts with the open enrollment meeting and continues throughout the year and takes many forms including: benefit handbooks, total compensation statements, newsletters, one on one meetings, group meetings, videos, webinars, posters, payroll stuffers & benefit websites. Having a wide variety of communication methods ensures employees remain engaged and proactive with their plan decisions. BAC Capital Advisors, LLC provides opportunities for plan participants to understand investment alternatives and make informed decisions regarding retirement savings goals. As part of this process, we offer retirement planning at the participant level. We can generate a customized retirement guide for each program participant and as part of this process an Asset allocation recommendation is made based on an individual’s investment goals and risk tolerance.
In the complicated world of investment management our clients can rest assured knowing our consultants share in the fiduciary responsibility with plan sponsors. ERISA requires 401(k) plan sponsors to actively manage the retirement program. We assist in this effort by providing timely investment advice and periodic updates.
