Individual Investors

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Individual Investors - Wide Pane

how to invest 401k

How to invest your 401(k).

The HCM 401(k) Optimizer® was developed to help answer that question. You, like many others may need help choosing how to invest 401k from among the investments your employer's plan offers and allocating those choices appropriately. We give you the tools to help you make informed decisions. It's quick, and it's simple and you maintain complete control of your assets.

Individual Investors

Is It for Me?

The HCM Optimizer® is for working individuals who need assistance choosing and allocating their 401(k), 403(b) or similar company sponsored retirement plan.

Choose a Proactive Approach

People expose themselves to financial risk by not taking proactive measures with their company-sponsored retirement plans. Our goal is to help you strive to optimize your returns and protect your capital gains.

Financial Well Being as the Goal

An actively managed account, we believe, is a great way to improve results and protect assets. Our approach is to apply our proprietary indicator, the HCM-BuyLine®, which is designed to keep our clients on the right side of the market.

Strive to Protect Your Assets

One great feature of the HCM 401(k)Optimizer® is access to the HCM-BuyLine®. When the market drops below the HCM-BuyLine®, you will receive notification with advice on how to restructure your portfolio in an attempt to protect your assets. When the market moves above the HCM-BuyLine®, you will once again receive advice about what to do next.

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How it Works

See what you get when you sign up for the HCM 401(k) Optimizer

HCM 401k Optimizer

Learn more

How do I invest my 401(k)?

The HCM 401(k) Optimizer® was developed to help answer that question. You, like many others, may need help choosing from the investments available in your employer's plan and allocating those choices appropriately. We give you the tools to help you make informed decisions. It's quick, it's simple and you maintain complete control of your assets.