The Retirement Group must work with your company’s benefits administrator should you choose to become a client. One of the major administrators we have worked with is Netbenefits Fidelity. Although The Retirement Group is not affiliated nor endorsed by Fidelity or Netbenefits we are specialists in navigating the Netbenefits site and have assisted our clients in accessing their benefits information.
Netbenefits (www.netbenefits.com) is Fidelity’s client level access website to view and manage their retirement accounts. Access to 401(k) information, preferences, and options are available. The site is incredibly user-friendly. The NetBenefits Fidelity site has 2 key sections, Home and Savings & Retirement. The Home tab provides balances and portfolio totals. The Savings & Retirement tab gives additional account details and access to third-party research tools to assist in making informed investment decisions. As a Honeywell employee, you may be eligible to participate in your company’s 401(k) plan. This page is dedicated to giving you the information you need to make the most of the Honeywell 401(k) plan. If you find this information helpful, please help us spread the word at Honeywell. Our company offers a free initial consultation if you are within 3 years of retirement. The benefit to you of having an initial consultation with one of our financial advisors is that they can help you make decisions about your entire investment portfolio as well as answer other questions you may have. The meeting can be held at in your office or on the phone. To request a meeting, please click here or call 800-900-5867.
Which Portfolio Is Right For You?
Here are samples asset allocation recommendations based on the level of risk you decide to take. When meeting with us, we will review your individual situation and discuss a plan that meets your investment objectives and risk tolerance. To determine your tolerance for risk so that you can choose the portfolio that’s right for you, be sure to read the articles linked on our homepage. It’s important that you understand the basis for our recommendations because you’ll be more likely to implement them and stay the course. If you have questions, check our FAQs.
When you want to take out all the stops and “go for it,” this is the portfolio for you. Equally weighted at home in the U.S. and abroad, this combination is a favorite of young investors with plenty of time before retirement and the ability to remain calm during market downturns. This option may also be appropriate for investore who are looking for greater return potentials, it also involves greater risk and potential for loss. Because 100 percent of the portfolio is in equities, the only buffer against the slings and arrows of the market is time. But if you’ve got the time, this may be appropriate for you.
This combination is a fine choice for many employees and especially for long-term investors. Its 60 percent weighting in equities gives it the ability for potential stock market growth, while the other 40 percent is allocated to fixed income vehicles. While fixed income vehicles still involve risk and volatility, they can potentially provide a level of predictability and/or stability in unstable markets. This portfolio is most suitable for investors with five or more years until they will need their money.
This combination stresses principal preservation, with a mix of 40 percent equities and 60 percent fixed-income investments. It is most suitable for investors who consider themselves conservative, who are close to or past the age of retirement or who, for whatever reason, care more about holding onto their money than making it grow.
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*Investing involves risk including the potential loss of principal. No investment strategy can guarantee a profit or protect against loss in periods of declining values. Past performance is no guarantee of future results. Please note that individual situations can vary. Therefore, the information presented here should only be relied upon when coordinated with individual professional advice. In general, the bond market is volatile as prices rise when interest rates fall and vice versa. This effect is usually pronounced for longer-term securities. Any fixed income security sold or redeemed prior to maturity may be subject to a substantial gain or loss.International investing involves special risks including greater economic and political instability, aswell as currency fluctuation risks, which may be even greater in emerging markets.
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Investment Advisor Representative of and Advisory Services Offered Through The Retirement Group, LLC or FSC advisory.
The Retirement Group, LLC and FSC Securities Corporation are not affiliated companies.
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*Bank Of America,*Chevron,*Hughes,*Northrop Grumman, *Merck,*Raytheon, *Exxon, *Home Depot, *Siemens, *Allstate, *Dell, *Alcoa,*UBS, *Caterpillar and * Verizon. We are an independent financial advisory group that specializes in transition planning and lump sum distribution.
*We are not employed by Home Depot Retirement Department, Home Depot Pension or Home Depot
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*We are not employed by Allstate Retirement Department, Allstate Pension or Allstate
*We are not employed by Dell Retirement Department, Dell Pension or Dell
*We are not employed by Alcoa Retirement Department, Alcoa Pension or Alcoa
*We are not employed by Caterpillar Retirement Department, Caterpillar Pension or Caterpillar