|
 Points of Interest:
- 1. The 14th annual Retirement Confidence Survey shows that 58% of workers say they are currently saving for retirement, but the amount they have saved is low. The survey also shows that education is the most effective tool in changing people's behaviors.
- Even with all the computer technology and internet information now available to consumers, most who receive education through an employer say they found personalized, one-on-one and print communication most helpful (41%).
- A study by Dalbar, Inc. in 2008 concluded the average equity investor earned a paltry 4.48% annual return for the prior 20 years compared to the 11.81% annual return earned by the S&P 500 Index. The major reason for the underperformance - chasing market returns. These investors do not understand the importance of investment strategy and structure by asset class, which JFS focuses on during participant education sessions.
Plans are designed to ensure that employees receive the complete support they need.
-
One-on-one meetings with a qualified investment advisor.  -
Access to a wide range of quality investments. -
Comprehensive plan design. -
Easy enrollment services designed for groups as well as individual meetings. -
Ongoing participant education. -
Knowledgeable investment advisors. -
Superior communication, including internet access to individual accounts and plan information.
Through personalized, individual contact with a qualified investment advisor, we assist your employees with the following:
- Time Horizon
- Risk Tolerance (standard deviation)
- Financial Goals
- Diversification
- Rebalancing
- Dollar Cost Averaging
- Enrollment
- Beneficiary Designations
- Investment Strategies
|