The Personal Capital 401k
Payality’s 401k partner will help you create a retirement plan best suited for your employees.

As an entrepreneur and business owner, you understand the importance of building a manageable savings and retirement strategy for your family’s future. Creating a high-value, low-cost retirement plan for your employees is just as crucial. The Personal Capital 401k is designed to help you attract and retain top talent, contributing not only to their long-term success but yours as well.  

• The all-in, investment related costs start at just 0.50% per year. We’ve done our homework and found this cost structure is one of the most affordable on the market for you and your employees.

• It’s easy to use. We understand that the day-to-day operations of running your business don’t allow for spending countless hours on paperwork and plan administration. Your employees will effortlessly manage their 401ks online through an intuitive user interface.  In addition Payality will do the work of calculating and deducting the proper retirement contribution from your employee’s check, calculating any employer match and forwarding the contribution and census data directly to the recordkeeper each pay period. 

• It provides diversified investments. Personal Capital puts their customers first. Therefore it’s not about high fees, expensive products and hefty commissions. Instead, their 401k offers diversified investment options that help users make strategic decisions to grow their retirement savings.
  
  
• In addition to the core investment options, participants are provided model portfolios to help them chart a course based upon their individual needs and risk profile. 

The plan also includes the services of a 3(38) fiduciary. The 3(38) effectively stands in the shoes of the plan sponsor, making all investment related decisions and thus assuming the related fiduciary liability.


The Personal Capital Dashboard gives your employees a holistic view of their money, from savings to expenses, investments and retirement.

And it gives your employees access to a free money management tool. Your employees can truly take control of their financial lives with access to the Personal Capital Dashboard. In addition to their 401k, your employees can optionally manage their entire financial picture with Personal Capital’s free, financial software.

To learn more contact your Payality Sales representative today