Informed choices today can yield significant savings and amplify your retirement funds in the long run.
Navigating 401(k) pricing can be daunting, especially when you’re exploring it for the first time or comparing plans. Our goal is to simplify this journey for you by providing clarity and guidance.
It’s essential to be informed about some of the subtleties in 401(k) pricing. For instance, while terms like “employee pricing” might sound straightforward, they often refer to asset under management (AUM) fees. Such fees can accumulate over time, impacting the growth of your account.
Consider Jennifer and Joshua. Both start with 401(k)s valued at $50,000. Jennifer’s plan with Ubiquity Retirement + Savings incurs a flat fee of $6/month with an investment expense fee of 0.17%. Joshua’s plan is percentage-based, charging 0.50% annually along with an investment expense fee of 0.17%. Assuming no further contributions and an average annual growth of 10%, after 30 years:
The difference? Ubiquity’s flat fees could mean potentially saving $109,338 over 30 years when compared to percentage-based fees.
Or schedule a free consultation with a retirement specialist.
401(k) fees, especially those that grow over time, can have a significant impact on your retirement savings. Flat fees offer predictability, ensuring that as your account grows, the fees remain constant.
Always be vigilant about percentage-based fees, which can escalate over time, diminishing your hard-earned savings. Make choices that prioritize your financial well-being and maximize your retirement potential.
Please refer to Important Information for details.
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44 Montgomery Street, Suite 300
San Francisco, CA 94104
Support: 855.401.4357
© 2023 Ubiquity Retirement + Savings
Privacy Policy
Do not sell my info
44 Montgomery Street, Suite 300
San Francisco, CA 94104
Support: 855.401.4357