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Assistance In Managing Your Existing 401k, 403B,457 Plans


For investors who do not have the time, investment expertise, or desire to manage their own retirement accounts, CLS’s self-directed retirement account options can serve as an answer to these critical components of prudent asset management. Recent studies indicate that providing investors with access to professional investment advice can greatly enhance returns. In fact, Vanguard has provided data indicating that advisors can potentially add about 3% in net returns as a result of their services. 

Another study, conducted by AON Hewitt found that investors who used some form of investment “help” achieved returns nearly 3% return higher than those who did not receive help. What may seem like a small difference in return in the short term can have a large impact over time, as shown in the “Value of Investment Help” table below. 

Lastly, according to a Vanguard study(2) of 40,000 participants, managed accounts have a notable affect on returns due to increased equity exposure and savings rates, as well as a reduction in portfolio risk levels and costs. Of the participants surveyed, it was reported that:

*60% increased their projected 10-year retirement wealth by an average of 30%

*60% saw a reduction in average fund fees.

*30% earned value through a reduction in portfolio risk.

 *1/3 chose to increase their savings rate by an
average of 3%.

*Expense ratios were reduced by an average of 0.06%.

1AON Hewitt: Help in Defined Contribution Plans: 2006 Through 2010
2Vanguard: The Value of Managed Account Advice, August 2015
The views expressed herein are exclusively those of CLS Investments, LLC, and are not meant as investment advice and are subject to change. No
part of this report may be reproduced in any manner without the express written permission of CLS Investments, LLC. Information contained herein
is derived from sources we believe to be reliable, however, we do not represent that this information is complete or accurate and it should not be
relied upon as such. All opinions expressed herein are subject to change without notice. This information is prepared for general information only. It
does not have regard to the specific investment objectives, financial situation and the particular needs of any specific person who may receive this

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Video On How Self Directed Accounts May Work With Your Existing Plan

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