What is the 401(k) Optimizer®?

May 06, 2019

The 401(k) Optimizer® is an automated online tool designed to assist individuals, like you, with allocating the investment options in your company-sponsored 401(k), 403(b) or 457 plans. The system uses your risk tolerance and long-term goals to generate portfolio allocation recommendations and will recommend changes to make to your investment strategy based on your plan’s investment options and market fluctuations.

Maximum Optimization

The technology behind the 401(k) Optimizer®, one of Howard Capital Management, Inc.’s (HCM) proprietary systems, is designed with you, the investor, in mind.  This tool is non-emotional and repeatable and in addition to assisting with your account allocation, offers downside risk management through HCM’s signature stoploss risk management tool, the HCM-BuyLine®.  By indicating when it may be time to move your investments to cash or a more conservative investment, you will no longer have to let the fear of a market downturn hold you back.


Take advantage of all of the benefits offered by the 401(k) Optimizer®:

  • Technology that ensures your portfolio is consistently being monitored
  • Notifications when it is recommended to make a change, update or re-balance
  • Additional resources like the Optimized Trend Indicator® (OTI) tool which allows you to check the performance of any single stock
  • Overlaying investments with HCM’s signature stoploss risk management tool, the HCM-BuyLine® to manage your risk in a market downturn
  • Detailed instructions for any action steps, delivered straight to your inbox

How Does it Work?

Begin your account set up by visiting the 401(k) Optimizer® website and selecting the option that best applies to you.  As you move through the process, you will be asked to take a risk tolerance questionnaire to determine your current investing personality.  Your answers will let the tool know how much risk you are comfortable with given your age, financial goals, and investment timeline.

The system will then prompt you to upload your employer’s plan so that it can perform an in-depth analysis of your plan’s options.  Once complete, it will generate a personalized investment recommendation on how to appropriately allocate your portfolio.

Each quarter, you will receive an update on how you may want to re-balance or reallocate your portfolio, or if it is best to leave it untouched.  Based on these recommendations, you will then be able to login to your financial institution, or call your advisor, and make any necessary changes.

You can find additional details regarding the 401(k) Optimizer® and how it can work for you on the 401(k) Optimizer® website and brochure.

Contact Howard Capital Management, Inc.

At Howard Capital Management, Inc. (HCM), we understand how important it is to work with someone you trust, who can create and deliver tools and technology to help you navigate the market with ease.  By planning for your financial future now, you can make your retirement an exciting and smooth transition.