Investment advisory services for Accrue's 401(k) products are offered by Guideline Investments, LLC, a third-party SEC-registered investment adviser. For more information regarding fees and services, see Guideline Investments' ADV 2A Brochure and Form CRS.
With an Accrue 401(k), you have access to investment options through Guideline Investments, LLC. As a 3(38) fiduciary under the Employee Retirement Income Security Act of 1974 and an SEC Registered Investment Advisor, Guideline Investments, LLC has strict standards of conduct, responsibility, and obligations. They are legally – and morally – obligated to make prudent and measured investment decisions that are in our 401(k) plans' and their participants’ best interests.
Guideline Investments, LLC’s investment committee is responsible for routinely monitoring the fund menu to ensure each selected fund continues to serve the best interests of clients.
When you set up your Accrue account, you’ll complete a short questionnaire to assess your risk tolerance and saving timeline, among other factors. Based on your answers, Guideline Investments, LLC will then present you with one of six managed portfolios, ranging from conservative to very aggressive. Alternatively, you can build your own custom portfolio from their full investment fund menu.
Investment options
Guideline Investments, LLC offers a wide range of low-cost mutual funds with a variety of strategies chosen to help you diversify your portfolio and meet your retirement goals. We also look for funds that aim to minimize fees, which we believe could negatively affect your investment portfolio’s performance.
Below is a list of the current investment fund menu.
Ticker | Fund name |
US Stock Market |
|
VTSAX | Vanguard Total Stock Market Index Fund Admiral Shares |
US Large Cap Equity |
|
VFIAX | Vanguard 500 Index Fund Admiral Shares |
VIGAX | Vanguard Growth Index Fund Admiral Shares |
VLCAX | Vanguard Large Cap Index Fund Admiral Shares |
VVIAX | Vanguard Value Index Fund Admiral Shares |
VDADX | Vanguard Dividend Appreciation Fund Admiral Shares |
VHYAX | Vanguard High Dividend Yield Index Fund Admiral |
VFTAX | Vanguard FTSE Social Index Fund Admiral Shares |
US Mid Cap Equity |
|
VIMAX | Vanguard Mid-Cap Index Fund Admiral Shares |
VEXAX | Vanguard Extended Market Index Fund Admiral Shares |
VMGMX | Vanguard Mid-Cap Growth Index Fund Admiral Shares |
VMVAX | Vanguard Mid-Cap Value Index Fund Admiral Shares |
US Small Cap Equity |
|
VSMAX | Vanguard Small-Cap Index Fund Admiral Shares |
VSGAX | Vanguard Small-Cap Growth Index Fund Admiral Shares |
VSIAX | Vanguard Small-Cap Value Index Fund Admiral Shares |
International Developed Equity |
|
VTMGX | Vanguard Developed Markets Index Fund Admiral Shares |
VPADX | Vanguard Pacific Stock Index Fund Admiral Shares |
VTIAX | Vanguard Total International Stock Index Fund Admiral Shares |
VFWAX | Vanguard FTSE All-World ex-US Index Fund Admiral Shares |
VEUSX | Vanguard European Stock Index Fund Admiral Shares |
VFSAX | Vanguard FTSE All-World ex-US Small Capital Index Fund Admiral Shares |
VIAAX | Vanguard International Dividend Appreciation Index Fund Admiral Shares |
Emerging Markets Equity |
|
VEMAX | Vanguard Emerging Markets Stock Index Fund Admiral Shares |
US Bonds |
|
VBTLX | Vanguard Total Bond Market Index Fund Admiral Shares |
VBILX | Vanguard Intermediate-Term Bond Index Fund Admiral Shares |
VBIRX | Vanguard Short-Term Bond Index Fund Admiral Shares |
VBLAX | Vanguard Long-Term Bond Index Fund Admiral Shares |
US Government Bonds |
|
VTAPX | Vanguard Short-Term Inflation-Protected Securities Index Fund Admiral Shares |
International Bonds |
|
VTABX | Vanguard Total International Bond Index Fund Admiral Shares |
Real Estate |
|
VGRLX | Vanguard Global ex-U.S. Real Estate Index Fund Admiral Shares |
VGSLX | Vanguard Real Estate Index Fund Admiral Shares |
Sector Equity |
|
VENAX | Vanguard Energy Index Fund Admiral Shares |
VFAIX | Vanguard Financials Index Fund Admiral Shares |
VHCIX | Vanguard Health Care Index Fund Admiral Shares |
VINAX | Vanguard Industrials Index Fund Admiral Shares |
VITAX | Vanguard Information Technology Index Fund Admiral Shares |
VMIAX | Vanguard Materials Index Fund Admiral Shares |
VTCAX | Vanguard Communication Services Index Fund Admiral Shares |
VUIAX | Vanguard Utilities Index Fund Admiral Shares |
Money Market |
|
VMFXX | Vanguard Federal Money Market Fund |
For additional information on each fund, including the expense ratios, share price, and historical returns, please see here.
Are crypto investment options available?
At this time, Guideline Investments does not offer Bitcoin or other cryptocurrency investments. As an ERISA 3(38) fiduciary and a Registered Investment Adviser (RIA), they have a responsibility to act in the best interest of 401(k) plan participants.
Because crypto can be a highly speculative and volatile asset class, asset values can change quickly with little predictability. Extreme swings in value can have a negative impact on participants, especially those nearing retirement.
As a result, as a fiduciary, Guideline Investments does not believe it would be prudent or in the best interest of plan participants to include crypto investments in the portfolio of funds.
Do I have access to ESG investment options?
Guideline Investments, LLC offers an ESG (environmental, social, and governance) fund through Vanguard’s FTSE Social Index Fund (VFTAX).
They are frequently asked about adding more ESG funds to the menu. Unfortunately, however, the industry currently continues to charge outsized premiums for these funds and has been slow to bring quality, low-cost ESG funds to market.
Guideline Investments will continue to monitor the ESG environment and look for opportunities to add more of these funds in the future.
Can I make changes to my 401(k) portfolio?
You can make changes to your investment choices at any time within your Accrue dashboard.
The information provided herein is general in nature and is for informational purposes only and should not be construed as investment advice. Investing involves risk and investments may lose value, including loss of principal. Investment objectives, risks, charges, and expenses should be considered carefully before investing, and you are advised to consult a qualified financial adviser.