Bright futures start with smart investments
Our mix of experience and software can help put you on the right path to retirement.
Minimize fees
Diversify broadly
Play the long game
Our investment philosophy
These three simple, time-tested principles help guide the investment decisions we make. When paired with our software and expertise, these principles help people invest in their future with confidence.
Start investing with a guide
We’ve created 6 different managed investment portfolios so you can select the one that aligns with your age and risk tolerance. Each portfolio is diversified with low-cost funds and has an average expense ratio under 0.07%.
1
Take our questionnaire to assess your risk tolerance and saving timeline.
2
Select a managed portfolio or create a custom one from a collection of low-cost funds.
3
Stay on track for retirement — we’ll automatically rebalance your portfolio over time.
Up to 7x less in fees
Fees can have a big impact on retirement savings, especially when compounded over time. The industry-average fee charged by 401(k) providers is 1.60%.
With an account fee of 0.15%, the estimated total cost for an active participant investing in one of Guideline’s managed portfolios can be under 0.22%—that’s up to 7x less than the industry average .
See the other fees we don’t charge
Your investments are our fiduciary responsibility
As fiduciaries, we are legally (and morally) obligated to ensure that every investment decision we make is in your best interest. Our investment committee takes this responsibility very seriously, regularly reviewing strategies and performance.
3(38) investment management fiduciary on all plans
Registered investment advisor (RIA) with the SEC
Investment committee
Jeff Rosenberger
Chief Operating Officer
Qian Liu
Chief Data Officer
Liz Mastrobattisto
Chief Compliance Officer
A guiding hand on your road to retirement
Whether you’re a first-time saver or experienced investor, our educational webinars and investing resources can help you invest with confidence.
Invest in your team and business.
Open a 401(k) in minutes.
Frequently asked questions
Do you offer target date funds?
We do not at this time. We keep fees low by building the portfolios ourselves, while providing the flexibility to choose investments that serve a shorter or longer term investment strategy. Read more here
Can I trade individual stocks?
No, Guideline does not accommodate for outside brokerages and trading of individual stocks. Participants will be able to choose their investment options from our Fund Menu or select from one of our Managed Portfolios.
Does Guideline provide investment advice?
As a robo-advisor, once a 401(k) plan participant completes a simple questionnaire, Guideline recommends one of our six professionally managed portfolios composed of mutual funds via our proprietary software. Guideline does not provide individual investment advice.
Are my employees able to pick where to invest their funds?
Yes, each eligible employee will have access to their own personal Guideline dashboard, where they will be able to view the details of their retirement savings and choose how to invest.
When setting up their Guideline 401(k) account, they will be asked to complete a questionnaire which will then suggest one of six Guideline Managed Portfolios to them, ranging from conservative to aggressive. Alternatively, they can choose to build their own portfolio from our fund menu. They can change their deferral amounts and investment choices at any time.