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.
At Accrue, you have access to six different managed investment portfolios through Guideline Investments, LLC – from Conservative to Very Aggressive. Each one is diversified and aligns with a range of ages, risk tolerances, and goals so you can select what works for you.
Investment decisions within the managed portfolios are based on four principles:
Make saving for retirement more simple and accessible
Minimize investment fees
Diversify broadly across and within the major asset classes for better risk-adjusted returns
Avoid market timing by focusing on long-term investing strategies
How your recommended portfolio is selected
When you first enroll in your Accrue 401(k) or any time you choose to change your managed portfolio, you’ll be asked a series of questions, such as when you plan to retire and how comfortable you are with investment risk. Based on your answers, you'll receive a suitable portfolio recommendation.¹
For example, if you’re at the start of your career with a longer time horizon until you plan to retire, you can typically accommodate more risk — and thus the possibility for more reward — because your investments will have time to balance out from market swings. But if you are set to retire in the next several years, you may be suited to a more Conservative portfolio to minimize volatility in the short term before retirement.
After completing the portfolio questionnaire, you’ll have the opportunity to review the recommendation, along with information and investment details about the portfolio. Ultimately, the choice is up to you on whether to choose the recommended option or one of our other managed portfolios. Alternatively, if you are an experienced investor or working with a personal financial advisor, you can instead design a fully customized portfolio from the fund lineup.
See the Investment Policy Statement to learn more about the investment philosophy and objectives.
The information provided herein is general in nature and is for informational purposes only. It should not be used as a substitute for specific tax advice that considers all relevant facts and circumstances. Neither Accrue nor Guideline Investments make any representation or guarantee with regard to investment performance as investing involves risk and investments may lose value, including loss of principal. Clients should consult a qualified investment or tax professional to determine the appropriate strategy for them.
¹ As a robo-advisor, once an individual completes the suitability assessment, which is a simple questionnaire, Guideline Investments recommends one of its six professionally managed portfolios composed of mutual funds via its proprietary algorithm. Accrue does not provide individual investment advice.