It’s a vast marketplace, filled with opportunity and risk. Forté has an investment approach that combines “big firm” analytics with “small firm” (hands-on) Plan Participant service and customization.
To find the appropriate investment options for your 401(k) plan, Forté’s Investment Team sifts through thousands of no-load mutual and index funds.
We review opportunities in equities, fixed income, real estate and global investments. Forté has no in-house or Forté managed mutual fund products. No investment vehicle we might recommend provides Forté Capital any form of direct or indirect compensation.
Qualitative Analysis
Research to help Forté clarify the fund manager’s philosophy, process, and experience, etc.
Quantitative Analysis
Historical returns, investment style, consistency, and historic riskiness are measured to calculate investment risk.
Comparative Analysis
Measuring individual money managers as they compare to their peers to identify “Best of Class” players.
After measuring critical factors, Forté has the flexibility to recommend investment options from a broad range of investment vehicles including:
Equity Mutual Funds
Actively managed funds ranging from Large to Small Cap Value and Growth to International, Index, balanced funds and others. We use only no-load funds to control costs.
Index Funds and Exchange Traded Funds (“ETF”)
These funds are pools of securities that track an index, such as the Standard & Poors Index of 500 stocks (S&P 500), commodities, bonds, sectors or industries They are low cost, diversified alternatives to actively managed mutual funds.
Fixed Income Mutual Funds
Ranging from short-term government to longer-term corporate.
Beyond the question of investment vehicle options, there’s also a question of Participant investment management style.
Some Plan Participants are ready, willing and able to play an active role in choosing their investments in the Plan. Others will want to work with someone to help with those decisions. Forté offers participants a choice—designed to address varying levels of investment experience, risk-tolerance and interest in making investment decisions themselves.
Self-Directed Investment Selection from the Plan Menu
This approach is designed for Plan Participants who are comfortable working with a Forté advisor and allocating their retirement contributions to mutual funds selected from the Trustee-approved list of funds. In this option, Participants are responsible for monitoring their account and rebalancing their investment allocation as needed.
Model Portfolio Account Management
For Plan Participants who wish to have Forté allocate their contributions across investment styles, we offer model portfolios to match their risk parameters. Working with Plan Participants, we develop risk profiles, then match these to a set of model portfolios: Conservative, Moderate, or Aggressive. Forté investment managers monitor allocations in each model and rebalance periodically.
Single-Fund Starting Account Management
This approach is for Plan Participants who either prefer a single fund choice, or for employees whose retirement fund balance isn’t large enough yet to effectively allocate across multiple funds.
Personal Choice Retirement Accounts
For Plan Participants who want complete freedom to purchase any security in their 401(k) Plan, Personal Choice Accounts bring all the flexibility and advantages that our trading platforms allow.