If you need to select a pre-determined risk level or are planning to build your own portfolio, Betterment's asset allocation advice can guide you.

You should be saving for retirement. You have your head in the right place and want to do the best thing for your financial future. Generally, you should choose a target-date fund, unless one of these circumstances is true for you:.

Pick (k) Assets Like A Pro

The target-date fund is likely have the year e. If your k lacks a target-date option, look for a pre-programmed risk profile. Betterment provides a detailed view of the assets that comprise the mix of stocks and bonds in a portfolio.

To correspond with the offerings available through your k plan, you may need to group asset classes. For example, if Betterment recommends four different U. If you only needed to figure out which pre-programmed risk profile to choose, you have your answer based on steps one and two.

Many k s have a limited number of choices; you might only have one or two choices for large-cap U. Whenever possible, we recommend searching for the lowest-cost, most broadly diversified funds in each asset class.

You can always search Morningstar. For illustrative purposes only. Not representative of any specific account or investments. So Erin looks at what is offered within her k.

The hard work is over…for now.

Self Directed Retirement Plans LLC – Investment Options & Financial Advice

You should check in on your investments quarterly to make sure that they are still appropriate for your age and goals. If you decided to choose your own investments, you will probably need to buy more of some investments and sell others to get back to your desired allocation as part of your regular rebalancing.

Financial advisory services are only provided to investors who become Betterment Clients pursuant to a written account agreement, which investors are urged to read and carefully consider in determining whether such agreement is suitable for their individual facts and circumstances.

At Betterment, we believe rolling over into a low-cost, globally diversified, and tax-smart IRA should be easy. Betterment takes advanced investment strategies and uses technology to deliver them to more than , customers across its three business lines: Allison is a freelance writer and editor, and the former Deputy Editor and Editor-at-Large of LearnVest.

Her work has appeared in numerous publications including Forbes, The Today Show, and TheStreet. You can contact Allison via email or follow on Twitter.

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k: Learn How You Should Invest - MONEY

Resources Investing Advanced Investing Personal Finance Retirement Inside Betterment Research Tools and Calculators. Overview Our Portfolio Tax-efficient Investing Security Team of Experts Our Mission.

Investing Advanced Investing Personal Finance Retirement Inside Betterment Research Tools and Calculators. Allison Kade Writer Betterment. How to Select Investments for Your k Allison Kade Writer. KEY TAKEAWAYS Betterment can help advise you on which investments to choose for your company's k plan.

People ask us all the time: Generally, you should choose a target-date fund, unless one of these circumstances is true for you: As a comparative data point, the average expense ratio is 0.

You really want to manage your own investments. Or Determine the Right Risk Level for Your Goals If your k lacks a target-date option, look for a pre-programmed risk profile. If you want to know more about how we construct our advice, you can learn more here. Build Your k Portfolio Many k s have a limited number of choices; you might only have one or two choices for large-cap U.

If You Selected Funds, Rebalance Your k Regularly The hard work is over…for now. Which Is the Right Type for Your Savings Goals? How to Roll Over a b Can You Have a k and an IRA? Take control of your retirement At Betterment, we believe rolling over into a low-cost, globally diversified, and tax-smart IRA should be easy.

Are You Setting Your Employees Up for Retirement Success? Comments for this post are closed. Have something to add or have a question? For more information and disclosures about the Betterment Resource Center, click here. Visit the Support Center , or get in touch: About Us Contact Us Careers Press Referral Program Sitemap.