“An investment in knowledge always pays the best interest.”
Investing
We wonder how much Ben would have had at retirement if he had all of Latham’s investment options and resources. But, the better questions might be: How much and where will you invest? And, who can help you decide?
Investment Choices
You can choose from a variety of investment options, depending on the level of involvement you want to have and the amount of risk you are willing to take. You have the same investment options with both the pre-tax 401(k) account and the Roth after-tax 401(k) account, and Latham offers many resources to help you with your account(s).
What Kind of Investor Are You?
Core Funds
A little adventurous — you also like guardrails — and you want to keep an eye on your investments
When you want to direct your own investments, while knowing all choices have been vetted by Latham, you might invest in the well-researched Core Funds. They offer the flexibility of a diverse portfolio reflecting your chosen asset category, risk rating and historical performance.
If this sounds like you, here’s what to do:
Complete
The Investor Profile Questionnaire on workplace.schwab.com will help you determine your investing time horizon and risk tolerance.
Choose
Select the funds you want and determine your investment percentage for each fund.
Assess
Re-evaluate your financial plan and investment risk on a regular basis to meet your retirement goals.
Choose
Pick the year that most closely matches the year you plan to retire. The Target Retirement Trust will transition from an aggressive to more conservative investment mix as your retirement date gets closer.
Depend
Investment professionals can make decisions about investments and asset allocation for the underlying fund.
Know
The professionals managing the Target Retirement Trusts will adjust the level of investment risk for you as you progress in your career.
Want a deeper dive into Latham fund choices?
Manage Your Account
Spend some time thinking about your savings goals and reviewing your investments and beneficiaries. Be sure to make adjustments as needed.
Make Changes
You can make changes to your investments and contribution amounts at any time through Schwab, our 401(k) trustee and recordkeeper.
Get Help From Experts
When you have questions about contributing to a pre-tax or Roth after-tax 401(k) account, how much to contribute to your 401(k), how to invest your contributions and more, Latham has your back. Here are two places to start:
Ayco Financial Planning Services
Your personal financial coach and other services at Ayco.com are available to help you make choices about your 401(k) savings and help you manage your money now so you will have a successful financial future. Learn more about Ayco.
Morningstar Investment Management
For savings and investment recommendations, contact Morningstar® Investment Management, an independent registered investment advisor and subsidiary of Morningstar, Inc. Your advisor (a salaried, non-commissioned Schwab employee) will work with you online or by phone to help you decide how much to save, which funds to choose and how much to invest in each fund. Advice is available as often as you would like. If you experience a life event, like a marriage, birth of a child or change in income, you may want to talk with an advisor about changing your strategy. It is best to check your account periodically to be sure your designated amount is being deposited and in the correct funds. The basic service is free, and there are options to have Morningstar manage your plan for you for a monthly fee.
Here’s what to do:
Go Online
Contact a Participant Services Representative at workplace.schwab.com (go to the Advice tab).
Call
Representatives are available at 1.800.724.7526 Monday through Friday, from 8 a.m. to 10 p.m. ET.
Write
Schwab Retirement Plan Services, Inc., P.O. Box 5050, Richfield, OH, 44286.
Advice Recommendations
If you previously accepted GuidedChoice advice recommendations, either online or with an Advice Consultant, information you provided during that interaction was not shared with Morningstar Investment Management. Your investment choices under GuidedChoice will continue until you change them. You can contact Schwab to arrange for a Morningstar advice session and to talk with a Schwab representative to get updated recommendations.
