401(k) Investment Lineup

401GO has created a unique guided portfolio builder. Rather than force participants into a pre-determined box, our builder asks a few questions to determine investing goals and retirement needs, and uses this information to suggest a customized portfolio.

Participants don’t have to accept what the portfolio builder provides, but it is certainly helpful to understand what type of investments match up with the chosen age, time of retirement, and tolerance level for risk.

Every 401(k) plan is fully integrated with the Matrix Trust Company, part of the Broadridge family of services, to provide custodial services.

Matrix has deep roots in the financial services industry, and is trusted by financial professionals to safeguard plan assets.

The IRS requires businesses to have insurance to protect 401(k) participants against fraud or misappropriation by those who have access to funds. Most business insurance plans will cover up to $100,000, so when plan assets are higher than this, it’s important to purchase a fidelity bond.

A fidelity (or ERISA) bond is an insurance policy which covers 10% of plan assets. If you purchase a GO-Plus or GO-Premier plan from 401GO, your fidelity bond will be included, so you won’t need to worry about it.

401GO does the record-keeping and administration for your 401(k) account, but is not the custodian. We partner with Broadridge Matrix Trust Company, and they hold the plan assets, which are then invested into the market. 401GO directs these trades through its platform.

401(k) accounts are some of the most secure accounts you can have. Matrix uses bank-level security and adhere to multiple industry standards to ensure the safety of assets. 401GO also maintains exceedingly high standards for data protection, including 3rd party penetration tests, extensive background checks of employees, secure password enforcement and more.

Additionally, plan sponsors are usually required to purchase a fidelity bond, which is an insurance policy that protects the funds in the case of fraud, theft, embezzlement or misappropriation.

Participants can change investments at any time. Make as many adjustments as you want!

Go to app.401go.com to log in. We recommend setting up two-factor authentication, which can be done using text, phone, or an authenticator app.

While we don’t (yet!) have iOS or android apps available, it is possible to add a browser page to your phone, as if it is an app.

SAMSUNG: Navigate to your account login page, tap the three dots at the top right of your screen, then choose “add to home screen.”
iPHONE: See the Apple user guide here.

Once logged in, participants can manage beneficiaries, change investments and deferral amounts, change their email address, or request a loan or distribution.