Nearly a quarter of your employees’ lives will be spent in retirement. Given the high stakes, a 401(k) plan should give every employee the chance to succeed. Cryptocurrencies may help make the difference. Independent research from Yale University and FTSE/Russell shows that individuals may increase their expected returns (while keeping their expected risk around the same level) by investing up to 5% of their total portfolio in cryptocurrencies. With the Alt401(k), the first fully-featured 401(k) to include cryptocurrencies as an investment option, ForUsAll helps employees understand how and why a small allocation can balance growth and safety for better long-term results.
How can you help employees unlock the power of choice with cryptocurrencies, while making sure they have the tools to invest sensibly? The Alt401(k) plan from ForUsAll, and powered by Coinbase Institutional, gives employees guidance and guardrails, so they can make appropriate investment decisions for their retirement plan. Guardrails help to ensure they stay on track. First, ForUsAll limits the amount that employees can transfer into cryptocurrencies to 5% of their portfolio. Second, they proactively monitor participants’ cryptocurrency investments. If a participant’s total amount invested reaches 5%, they receive email alerts about reallocating their investments until the total goes down to 5%.
ForUsAll makes it easy to empower employees to save for their own future, and to invest in what they believe in — with the guidance and guardrails needed to stay on track.
Working with Coinbase — the leading US publicly traded, institutional-quality cryptocurrency vendor — ForUsAll evaluates, selects, and continuously monitors cryptocurrency options. The Alt401(k) gives employees access to up to 40 cryptocurrencies, but only those that maintain ForUsAll’s rigorous investability standards. Employers and employees have the peace of mind that their choices have been pre-vetted by investment professionals.
Cryptocurrencies are powerful investments with historically high risk-adjusted returns. They have also been volatile. Large institutional investors — including Brown, Harvard, and Yale Universities — include cryptocurrencies in appropriate amounts, for their growth and diversification potentials.
Adding cryptocurrencies with the Alt401(k) can help to improve the retirement investing experience, and can also help to attract the people you want to hire and retain. ForUsAll makes it easy to empower employees to save for their own future, and to invest in what they believe in — with the guidance and guardrails needed to stay on track.
Schedule a demo today, and see how the power of choice could improve your retirement plan.
(1) ForUsAll does not provide tax advice and the tax laws could change in the future. To be fully tax exempt and subject to withdrawal without penalty, you must meet the 5 year rule for the initial Roth deferral and you must be at least 59 1/2 years old. Consult your retirement plan provider or your accountant for details.
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