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March 19, 2019 – Basics on How to Access Most Cost-Effective Advice
With an annual subscription you’ll receive direct access to eleven ✓ theTicker® eLearning modules, Flip the Classroom Select Publication Platform by Growth, Aggressive Growth, Balanced and our new ESG Integration Fund Five. You will receive a quarterly newsletter to dissect performance changes in top five by category, relevant financial news and ability to practice your new skills in our “second opinion” quarterly feature.
Click on the modules below for a brief course description.
Through our modules and data, retirement investors are able to select top performing low expense ratio mutual funds, while also eliminating conflicted intermediary advice and costs.
Get started below:
A step-by-step hands-on, interactive session describing the current “retirement financial advice” marketplace, and how Check the Ticker SBC meets the demand for eLearning, employee and IRA/HSA investor engagement with a new direct model.
✓ theTicker Core Tools are where one begins to understand how to take charge of evaluating the investment selection process for core retirement investments.
How to Evaluate Performance using SEC Disclosures with Online Tools Here are some other considerations on performance:
There are mutual fund fees for managing assets by the portfolio manager and there may be intermediary fees to buy the mutual fund.
Fees to Buy a Mutual Fund through an Advisor:
Fees to Buy a Mutual Fund through a Broker Dealer Platform
Fees to Buy a Mutual Fund directly from the Fund company
Understanding the Costs of Portfolio Turnover
Dividend Yield may be particularly important as you move into retirement and out of the accumulation phase. In retirement you will be drawing funds from your retirement nest-egg.
Definition – Dividend Yield*
The most important factor is to be sure your money is safe and you know exactly who is holding it on your behalf.
What Custodian does your Advisor Use?
The SEC Custody Rule states:
“What is custody?
Custody by investment advisers means holding client funds or securities, directly or indirectly, or having the authority to obtain possession of them. For example, advisers have custody where the adviser has possession of client funds and securities or has power of attorney to sign checks on a client’s behalf, to withdraw funds or securities from the client’s account, including fees, or to otherwise dispose of a client’s assets for any purpose other than authorized trading.”
What Custodian does your mutual fund use?
What is significance of a custodian for a mutual fund.
Understanding a Portfolio Manager’s Objective that drives the Holdings
Learn how to further analyze holdings to determine if you believe the companies they invest in are in the best interest of society overall.
Is Environmental, Social and Governance (ESG) “real?”
For the first time in history, retirement investors hold trillions of dollars in defined contribution plans and IRA’s. They are in a position to engage and select what money managers and their respective holdings will shape the future of our economy and society.
Cumulatively, retirement investors can engage and select what portfolio managers operate in the best interest of society.
In this Module, we address four factors:
Understanding Proxy Voting
With the advent of brokers selling the bulk of mutual funds and maintaining the records of who owns the mutual funds, investors have become more distant from what governance issues by the Funds for two reasons:
Understanding Proxy Voting and Broker Dealer Held Mutual Funds
The goals of this Module are to understand Robo Advisors and evaluate their role for managing your retirement nest egg. New vocabulary includes:
Learn how to compare pros and cons for retirement investor of ETF’s (a portfolio) compare to mutual funds.
Learn how robo advisors have less stringent regulation than SEC registered investment companies (mutual funds)
What Robo Advisors are Not
✓ theTicker is the perfect complement for every corporate wellness program, the independently designed and independently delivered eLearning curriculum that engages and empowers your employees for a lifetime in taking charge of their retirement and HSA investing future.
Please contact us to review pricing for customized modules based on your 401k/403B Defined Contribution Plan.
Prepare your employee for within or outside the workplace with ✓ theTicker module designed to engage your employee with understanding the costs and benefits of engagement in their investment selection process in your workplace.
✓ theTicker 6-Point Criteria provides employees for the very first time a factual, step-by-step framework for selecting their core retirement money manager(s), offered by the 401(k) or 403(b). Provide your employees access to an active and engaging eLearning process, where their time invested in education delivers significant savings and improved performance, year after year for their retirement future.
An introduction to the different options in a 401(k) or 403(b) plan, from Managed Account to Target Date fund, this Module takes your employee through each of these different structures, dependent on what is available in their plan, so they understand the Pros and Cons of each option. The concept of Qualified Default Investment Alternative (QDIA), the pros and cons of automatic retirement investing and the basics of their retirement plan are reviewed. The employee then has the confidence to make an informed choice on which option, offered by their Employer, is their best alternative.
When an employee is separated from service or retiring, they now have a targeted module that provides them access and understanding on how to use ✓ theTicker Tools to make an informed choice on the pros and cons of retaining their retirement funds in their employer-sponsored 401(k), rollover to an IRA or rollover to their new employer’s 401(k). With SEC warnings of many frauds and abusive selling practices for the first generation retiring with 401(k) plans, this module is designed to empower the soon-to-be retiree on how to make a critical, informed choice for their retirement nest egg for the present and the future.
Brokerage Windows pose particular problems today from unanswered regulatory questions when an employee uses a brokerage window in their 401(k), losing ERISA protections for their retirement savings, yet bound by the Plan Sponsor’s investment selections in these “windows”.
Pros and cons of online calculators to evaluate tax benefits of saving in a 401(k), IRA and HSA when an employer offers a high deductible plan with a long-term HSA account.
Please contact us to review pricing for customized modules based on your small business plan.
What are the significant cost advantages of a small business DIRECT SEP or SIMPLE plan over a small business 401(k)?
SEP (Simplified Employee Pension) and SIMPLE plans may not offer the same “fiduciary” protection for your employees as a 401(k) or 403(b) plan that is subject to Department of Labor ERISA standards. Learn how to provide your employees this equivalent protection through ✓ theTicker small business module, using SEP and SIMPLE Plans.
This module is a good basis for state governments that wish to provide education and ✓ theTicker DIRECT SEP retirement plan for the self-employed or those not covered by a retirement plan.
How to use The Ticker Checker-Practicum to evaluate cost and performance alternatives in a small business retirement plan.
Small Businesses and self-employed individuals may use Simplified Employee Pensions (SEP) Plans for a tax-deferred retirement savings Plan or SIMPLE Plans. For the first time ✓ theTicker provides the education on how to set-up a Direct SEP or SIMPLE plan. Learn the cost savings, the fiduciary advantages and how to eliminate conflicted industry-sponsored mandatory arbitration mandates, which eliminate legal access to Federal courts for fiduciary breaches. Provide tools and training to educate your employees for life with a portable “pension” that minimizes administrative costs to the small business. It is a win-win for employers and their employees.