Investments
Expand Financial, LLC (EXPAND) serves as a 3(38) investment fiduciary to oversee the plan’s investment menu giving you the expertise to maintain quality investments and meet ERISA standards.
Investment Policy
EXPAND provides a written Investment Policy Statement (IPS) to guide investment decisions.
Quarterly Monitoring
EXPAND monitors the investment lineup each quarter to ensure investments are meeting standards defined in the IPS.
Quarterly Reports
EXPAND provides you with quarterly plan investment reports that you and your advisor can review together.
Fund Replacements
If an investment fails to meet the IPS standards, EXPAND replaces investments as needed.
Financial advice is offered through Expand Financial, LLC, an SEC Registered Investment Adviser.
Core Investment Lineup for Launch, Custom and Solo
Participants can choose their own investment options and asset allocation from the following investments.
See important investment disclosures at the bottom of this page.
StoryLine by Stadion
Stadion StoryLine is a professionally managed account solution. It starts with an important premise: Every company – and every employee in that company – has a unique story. And those stories should inform their retirement plan. StoryLine is built with the funds from the underlying investments within the plan’s core lineup and portfolio allocations and glide paths are tailored at the company level and further refined at the participant level based on their age and risk tolerance questionnaire.
Professional Money Management
StoryLine provides a personalized investment experience considering variables unique to each participant, at no cost to the employer.
Customized Risk Management
StoryLine attempts to make retirement investing easy – no need for participants to research investments, select funds, or make decisions. StoryLine seeks to manage participant emotions and improve outcomes.
Hands-On Support
A Consultant from Stadion can provide on-site enrollment support, if requested. In addition, Stadion provides participants with live phone support to discuss investments.
Plan-Level Customization
StoryLine goes beyond simple risk and age-based assessments. Plan-level customization takes into account a company’s unique workforce, and participants further tailor their account with Stadion’s proprietary risk tolerance questionnaire.
The S&P 500 Index is the Standard & Poor’s Composite Index of 500 stocks and is a widely recognized, unmanaged index of common stock prices. It is not possible to invest directly in indexes (like the S&P 500) which are unmanaged and do not incur fees and charges. Investments are subject to risk and any of Stadion’s investment strategies may lose money. Past performance is no guarantee of future results.
StoryLine is a marketing term associated with investment advisory services and products provided by Stadion Money Management, LLC. Certain of the StoryLine accounts and funds utilize exchange-traded funds that bear the SPDR® trademark to implement Stadion’s investment strategy. Stadion receives both an annual payment and reimbursement for certain marketing and other assistance in connection with the StoryLine Accounts from State Street Global Advisors or its affiliates in connection with Stadion’s use of SPDR® ETFs in the StoryLine Accounts.
StoryLine is not managed, sponsored or endorsed by State Street Global Advisors or its affiliates and is not guaranteed by Stadion or its affiliates or by State Street Global Advisors or its affiliates. No party makes any representation or warranty, express or implied, regarding the advisability of investing in the StoryLine Accounts, including “StoryLine. Built with SPDR® ETFs.” State Street Global Advisors has no obligations to take into consideration the StoryLine Accounts or investors in the StoryLine Account when managing or creating SPDR® ETFs. Standard & Poor’s®, S&P®, S&P 500®, Standard & Poor’s 500, 500, Standard & Poor’s Depositary Receipts, and SPDRs® are trademarks of The McGraw-Hill Companies, Inc. and have been licensed for use by State Street Global Markets, LLC.
Standard & Poor’s®, S&P® and SPDR® are registered trademarks of Standard & Poor’s Financial Services LLC(S&P); Dow Jones is a registered trademark of Dow Jones Trademark Holdings LLC (Dow Jones); and these trademarks have been licensed for use by S&P Dow Jones Indices LLC (SPDJI) and sublicensed for certain purposes by State Street Corporation. State Street Corporation’s financial products are not sponsored, endorsed, sold or promoted by SPDJI, Dow Jones, S&P, their respective affiliates and third-party licensors and none of such parties make any representation regarding the advisability of investing in such product(s) nor do they have any liability in relation thereto, including for any errors, omissions, or interruptions of any index.
Founded in 1993, Stadion is an investment management firm that provides custom solutions to retirement plan advisors, plan sponsors and participants. We are proud of our ability to work with advisors by providing advisors with turnkey managed account services, target date fund solutions, and the opportunity to build custom managed accounts. Stadion believes that one-size-fits-all investment approach offered to most retirement plan participants does not account for the differences of each individual, which is why we work closely with advisors and recordkeepers to build custom retirement plan and participant level investment solutions.
Founded 25+ Years Ago $2.9 Billion in AUM1 6th Largest Managed Account Provider3 12th Ranked ETF Strategist in the Nation2Privately Owned Firm
For Series 65 Advisors Only
JULY Plans offer three different managed account style categories to simplify participant investing with added flexibility to meet the unique needs of sponsors and participants. Employers and their financial consultants can choose up to three managed account solutions.
Strategic
Strategic asset allocation takes a long term outlook of the market. Managers will set their asset allocation based on capital market assumptions. Most will only modify underlying holdings to navigate through changes in the markets due to economic or risk factors.
Tactical
Tactical asset allocation is a dynamic investment strategy that actively adjusts a portfolio’s asset allocation. The goal of a tactical strategy is to mitigate risk when the market is exhibiting volatile conditions. Tactical managers may move completely out of the market into cash or short term fixed income in order to avoid some of the risk from being in the market.
ESG
Environmental, social and governance (ESG) refers to the three central factors in measuring the sustainability and ethical impact of an investment in a company or business. These criteria help to better determine the future financial performance of companies (return and risk).
Click one of the options below to see more detailed investment information within each category.
Strategic Model Managers Genter Capital believes that strategic asset allocation is a key component of successful long-term performance. By selecting the right mix of assets to suit individual risk tolerance, Genter Capital can help investors maximize returns relative to risk over market cycles. Their asset allocation models are built from their estimated risk and return expectations over the current business cycle, and the interactions between asset classes. The balanced asset allocation portfolios that Genter Capital provides aims to maximize return, relative to risk, based investor risk tolerance. ◉ Multi-Tiered Diversification – No single market environment or investment view persistently drives results therefore we seek to diversify across multiple dimensions and complementary investment perspectives. ◉ Adaptive Approach – While markets can be efficient in the long term, market performance over the short term is influenced by investors’ patterns of behavior creating investment opportunities, therefore we embed flexibility to adapt to changing market environments. ◉ Risk-Aware Construction – Mitigating downside risk is essential to compounding returns over time therefore we incorporate strategies that are lowly correlated with traditional indices that seek to deliver more consistent risk adjusted returns over time.Franklin Templeton Diversified Risk Portfolios offer participants:
Tactical Model Managers Meeder Investment Management builds portfolios using highly quantitative evaluation methods that employ both strategic and tactical allocation strategies in an attempt to maximize return while minimizing risk. Sage takes a tactical approach to evaluating the big portfolio decisions. The underlying fundamentals of markets and global macroeconomic conditions continuously change. And, just as important, the way asset classes relate to one another continuously change. Sage reevaluates conditions frequently and makes tactical changes to their asset allocation as meaningful changes in the outlook take place. Sage’s Investment Committee meets formally every two weeks to form a 3-6 month outlook on each big portfolio decision. In addition to harnessing the collective wisdom of the Sage investment team, this disciplined, forward-looking approach allows Sage to respond to changing environments in a timely manner. Horizon Goals-Optimized Portfolios seek to help participants in 1) maximizing both wealth creation and income opportunity while 2) minimizing income volatility at retirement. To properly achieve this investment objective, our Goals-Optimized Portfolios seek long-term growth while mitigating market risk and most importantly, securing income in retirement. Risk Assist portfolios offer an added layer of risk mitigation intended to guard against large declines in the fund’s investment portfolio.
ESG Model Managers Sage is an independent investment management firm with a long history of integrating responsible investing principals into their investment approach, and offer a suite of ESG solutions that adopt a custom framework powered by Sustainalytics. Sage is headquartered in Austin, Texas, which provides the perfect landscape for independent thinking and purpose-driven investment management. As an independent firm, they strive to maintain the culture and accessibility of a small business, while delivering the highest-quality institutional services and investment management available anywhere. The Dana Equity Strategy integrates Environmental, Social and Governance (ESG) factors with financial metrics. Launched early in 2000, this Strategy is benchmarked versus the S&P 500 and adheres to our risk management process, including position limits and sector neutrality. Our stock selection focuses on highly ranked ESG securities with attractive valuations relative to peers.
See important investment disclosures at the bottom of this page.
Cash Balance Investment Line-Up Option 1
Available to clients of Series 6 Financial Professionals
Cash Balance Investment Line-Up Option 2
Available exclusively to clients of Series 65 Advisors
Below are important disclosures about the investment information presented on this page.
Investment Chart Data Sources.
On the above chart, the columns for Investment Name, Morningstar Category, Inception Date, Expense Ratio and return information is provided by Morningstar, Inc. The columns specifying QDIA as well as the list of funds is provided by eFiduciary Advisor. ‘Principal Focused – Extended Duration’ investment option will have underlying fixed income investments with a longer average duration than a Cash Equivalent.
Stable Value and Fixed Income Disclosures.
Some Stable Value and Fixed Income Investment Options include restrictions at contract termination. Plan Sponsors should carefully review product contracts for applicable limits, rules and payout options.
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The information contained herein: (1) is proprietary to Morningstar and/or its content providers; (2) may not be copied or distributed; and (3) is not warranted to be accurate, complete or timely. Neither Morningstar nor its content providers are responsible for any damages or losses arising from any use of this information. Past performance is no guarantee of future results.