Investment Solutions

As one of America’s top advisers, Fisher offers a wide variety of investment solutions to meet the needs of plan participants.

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Fund Management

Superior Investment Guidance

Your Interests First

Superior Fund Management

Fisher analyzes over 25K funds to find the best options for our fund lineup and provides rigorous ongoing fund monitoring.

“Best-in-breed” 3(38) investment manager (as recognized by the Center for Fiduciary Excellence)
Access to open architecture funds and institutional share classes
78% lower fund fees

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Music Plays	Dots and Title appear. “25,000+ initial fund possibilities
	Funnel Builds from top down, swipe from right, then text appears next to section. “Category Selection” is written on the first section of the funnel. “Select appropriate investment strategies” appears next to the funnel.
	The background builds leading to next section of funnel, text appears on the right and continues until funnel is built
	Continuous Process Review appears and starts to rotate counter clockwise. The title of each section of the funnel read “Active or passive”, “Fund analysis” and “FIT Review”. Next to each read respectively, “Add value thorugh active or passive management,” “Identify best-in-class funds,” and “Curate a fund lineup to meet client objectives.
	Dots animate and fall through the funnel
	“Select Funds” Appears at the bottom of the funnel and hangs on balls falling for 5 seconds
	FI Logo appears with the following disclosure underneath it: “Investing in securities involves the risk of loss. Intended for use by employers considering or sponsoring retirement plans; not for personal use by plan participants. ©2022 Fisher Investments

Flexible Investment Solutions

From ‘Do It for Me’ to ‘Do It Myself’, Fisher offers a wide variety of investment solutions to meet the needs of plan participants.

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Upbeat music	Fisher Investments® 401(k) Solutions
Female Voice: “At Fisher Investments, we provide services others can’t or won’t provide like superior plan and investment guidance from do it for me, to do it myself Fisher offers a wide variety of investment solutions to meet the needs of plan participants. For those who prefer a hands-off approach and do not want to be involved in the selection and management of their investments, Fisher will implement an investment plan based on each participant’s age. For those looking for a guided approach to investment selection, Fisher will provide ongoing asset allocation guidance to support participants in their investment management. For experienced investors who prefer to develop their own plan, Fisher will provide an education based approach to help participants create their investment plan. For sophisticated investors who have the knowledge and time to dedicate to research, or are working with a personal investment advisor, Fisher can support a self-directed brokerage account with over 16,000 funds and stocks to choose from.
No matter what investment solution you choose, Fisher Investments is with you every step of the way.	Fisher Investments 401(k) Solutions. © 2021 Fisher Investments. Investing in securities involves the risk of loss. Intended for use by employers considering or sponsoring retirement.

Superior Investment Guidance

As one of America’s top financial advisers, we work with you to optimize your retirement program and provide ongoing one-on-one financial guidance to plan participants to maximixe their wealth creation.

Individualized goal planning
Tailored asset allocation and sub-asset allocation guidance.

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Upbeat music	Fisher Investments® 401(k) Solutions
Female Voice: “Fisher over performs the industry on three factors of wealth creation. We help more employees start saving. We help plan participants save more and; We help investors pay lower fund fees. We enable this by helping plan sponsors create programs that optimize plan outcomes using a rigorous fund selection process to select high quality low cost funds from a do it for me, to a do it myself via a self-directed brokerage account. Fisher offers a wide variety of investment solutions to meet the needs of plan participants. Fisher Retirement Counselors meet with plan participants one on one to help you create an investment strategy that is unique to their individual goals. We partner with participants to help them tailor asset and sub asset allocation based on their individual goals. As a result, of a wealth generating service model Fisher helps employees start saving, save more, and pay lower fund fees.
Schedule a consultation to learn more how Fisher can help your employees save more toward their retirement goals.	Fisher Investments 401(k) Solutions. © 2021 Fisher Investments. Investing in securities involves the risk of loss. Intended for use by employers considering or sponsoring retirement.

Your Interest First

As a 3(38) Investment Manager, we have incentive structures that are aligned with your success. No revenue sharing, no kickbacks or commissions. When you do better, we do better.

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Upbeat music	Fisher Investments® 401(k) Solutions
Female Voice: “As a plan sponsor you pay your plan advisor to help you out. They make investment recommendations and offer to refer you their network to run your retirement plan but is your plan advisor working for you? Some plan advisors create complicated rings of dependents where referrals mean kickbacks and revenue sharing for the plan advisor rather than putting your interests first. You end up paying higher fees and getting average to below average service. The only one who wins is the plan advisor. Fisher never accepts commissions or revenue sharing putting your interests first.
Schedule a consultation to learn more about how Fisher can help your employees save more toward their retirement goals.	Fisher Investments 401(k) Solutions. © 2021 Fisher Investments. Investing in securities involves the risk of loss. Intended for use by employers considering or sponsoring retirement.

Must See 2 Minute Video

4 Questions to Ask When Evaluating a Provider

Find out the 4 most critical questions to ask when evaluating a new plan adviser for your small business.

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Upbeat Music	Revenue Sharing Fisher Investments® 401(k) Solutions
The volume of the music is reduced. Male Voice: “Does your plan advisor utilize investments that are free of commissions and revenue sharing?”	A white background appears green text with the question: Does your plan advisor utilize investments that are free of commissions and revenue sharing? The flyout stays on screen for several seconds and then disappears.
Many retirement plan advisors create complicated rings of dependence where referrals mean kickbacks and revenue sharing for that plan advisor. Rather than putting your interests first, these plan advisors create bloated administrative systems that allow them to get more money out of your company. You end up paying premium fees, but getting average-to-below-average service that doesn’t do enough to create wealth for your plan participants. Many of the most notorious examples involve mutual funds. Rather than relying on performance and low fees to sell their funds, some investment management companies offer kickbacks or commissions to plan advisors. Those plan advisors then stuff client portfolios with low-quality funds.	An animation appears on screen.
As a result, plan participants lose twice. The funds are likely to underperform and the fees are typically higher than average. The only one who wins is the plan advisor. That’s why Fisher Investments never accepts commissions or revenue sharing from providers.	A man dressed in a suit speaks to the camera. A flyout in the lower left corner identifies him as Ian Epstein, National Director of Retirement Plan Consultants The flyout stays on screen for several seconds and then disappears.
Does your plan advisor pick the funds and take responsibility for the funds offered on your fund line up?	A white background appears green text with the question: Does your plan advisor pick the funds and take responsibility for the funds offered on your fund line up? The flyout stays on screen for several seconds and then disappears.
“If you’re the one currently responsible for picking and monitoring your 401(k) plan, you are not working with a 3(38) Investment Manager. “ “A 3(38) Investment Manager takes on the full responsibility managing the investment lineup and has discretion to make necessary changes. In doing so, the 3(38) Investment Manager takes on the primary fiduciary responsibility for investment decisions.”	The camera goes back to the man as he continues to speak.
“Hiring a 3(38) Investment Manager that constantly monitors fund performance is important because few funds stay at the top of their category over time. For example, over a single five-year period, only about 15% of domestic equity funds that performed in the top half of their category in 2017 were able to maintain that status annually through 2021.”	A flyout appears in the lower left that reads: *Data from Dow Jones S&P Indices, Year End 2021
“Does your plan advisor offer individual goals-based investment discussions?” “Some advisors cloak the fact that they’re either not qualified or not allowed to offer individual goals based investment discussions with participants. At Fisher Investments we commit to individual goals based investment discussions that support better planning, better investment selection, and better retirement outcomes. Because when you do better, we do better.”	A white background appears green text with the question: Does your plan advisor offer individual goals-based investment discussions? The flyout stays on screen for several seconds and then disappears.
“Is your plan advisor’s firm highlighted on any industry leader lists?” “This is important because it may indicate whether you’re working with generalist or a specialist.”	A white background appears green text with the question: Is your plan advisor’s firm highlighted on any industry leader lists? The flyout stays on screen for several seconds and then disappears.
“Many advisors tend to have a few retirement plans that mostly fell in their lap over time. What most people know is that you’re way better off having a specialist working for you versus a dabbler. In the retirement space it’s actually pretty easy to figure out which one you’re talking to. Most specialists will be recognized on the NAPA Top Defined Contribution Advisor List or hold a reputable specialist designation like CEFEX. At Fisher we’re recognized on both lists.”	The camera goes back to the man as he continues to speak.
The volume of the upbeat music increases.	A white background slides in from the right. Fisher Investment 401(k) Solutions logo fades on to the screen.
The music continues to play.	Investing in securities involves the risk of loss. Intended for use by employers and their consultants, considering or sponsoring retirement plans; not for personal use by plan participants. © 2022 Fisher Investments
The music fades out.	The screen fades to black.

Fund Lineup Checklist

When was the last time you reviewed the fund lineup in your company’s 401(k) plan? Use our checklist to identify opportunities to improve your fund lineup.

Download Checklist