5 Reasons You can Benefit from the 401(k) Optimizer®

May 06, 2019

Since 2006, Howard Capital Management, Inc. (HCM) has been building and perfecting the 401(k) Optimizer®. The 401(k) Optimizer® is an easy, automated online tool designed to help you manage your company-sponsored retirement plan investments through personalized allocation recommendations. The system uses your risk tolerance and long-term goals to generate portfolio allocation recommendations and will recommend changes you should make to your investment strategy based on your plan’s investment options and market fluctuations.

In an attempt to optimize returns in your retirement plan, the 401(k) Optimizer® will suggest what investments to buy, when to buy them and when to sell them. It can also suggest when it may be time to make changes to your investment strategy based on market fluctuations.

The 401(k) Optimizer® was made with you, the investor, in mind, and gives you the tools you need to confidently manage your retirement savings plan.


User-Friendly Account

Once you create an account on the 401(k) Optimizer® website and complete the risk tolerance questionnaire, you will be asked to upload your employer’s plan.  After completing an in-depth analysis, the system will provide you with a personalized recommendation on how to appropriately allocate your portfolio.

Your account’s online dashboard is user-friendly and allows you to see a detailed picture of your portfolio's holdings and your personalized recommendations. Track stocks, update your profile and contact your financial advisor all in one place.


Ongoing Guidance

The 401(k) Optimizer® consistently monitors your portfolio.  When the time comes to make a change or update your portfolio, you will receive both a notification and detailed instructions to guide you through the process.  In addition, you can expect a quarterly email update on how to rebalance or reallocate your portfolio, if needed.


Stock Performance Indicator

The Optimized Trend Indicator® (OTI) tool allows you to check the performance of any single stock, giving you an additional resource to use when making personal investment decisions.


Signature Stoploss Protection

By overlaying your investments with the HCM-BuyLine®, HCM’s signature stoploss protection tool, the 401(k) Optimizer® can offer downside risk management.  These proprietary tools work together to mitigate risk by indicating when it may be time to move your investments to cash or a more conservative investment option. Don’t let the fear of a market downturn hold you back!


Backed by Sophisticated Analysis

The technology behind the 401(k) Optimizer® is non-emotional and repeatable.  It carefully analyzes:

  • Asset Classes
  • Fund Managers
  • Fund Performance
  • Asset Turnover
  • Current Market Conditions


Contact Howard Capital Management, Inc.

At Howard Capital Management, Inc. (HCM), we understand how important it is to work with someone you trust, that can create and deliver tools and technology to help you navigate the market with ease.  By planning for your financial future now, you can make your retirement an exciting and smooth transition.