Official Launch Press Release

Jan 07, 2016

401k investing & educational tools are now needed more than ever

NEW YORK, Jan. 7, 2016 /PRNewswire/ --  Beam Capital Management announced the official launch of its unique 401k education website The new website is free to use and offers custom 401k asset allocation models, reminder alerts to re-balance, and an innovative 401k education section dubbed ‘401k University’.

‎Surveys conducted by Beam Capital Management have consistently shown that the 2 biggest issues faced by 401k participants are 1) the lack of knowledge as to what would be an appropriate asset allocation mix during various points in one’s career and 2) consequently not maintaining that appropriate asset allocation via periodic rebalancing. 401k Tutor solves both issues by suggesting to users an appropriate customized asset allocation mix and offering automatic or user-set reminder alerts for rebalancing.  This is all done via an innovative user interface that is simple, quick and easy to use.

A joint research study conducted by the Employee Benefit Research Institute (EBRI) and the Investment Company Institute (ICI)[1] revealed that nearly 10% of 401k plan participants in their 20s and 30s had zero allocation to equities highlighting the need to better educate 401k savers on proper asset allocation strategies. The same study discovered that exposure to equities has increased among 401k participants since 2007, while a separate study by the ICI[2] revealed that only 6.6% of defined contribution plan participants changed the asset allocation of their account balances in the first half of 2015. This indicates that more than 93% of participants did not rebalance their accounts. “This set-it-and-forget-it mentality is very problematic in any market condition but particularly more so as 401k plan participants get older or when market conditions severely deteriorate” said Mohannad Aama, Chief Investment Strategist at Beam Capital Management. “There are upwards of 90 million active and inactive 401k accounts in the United States, not counting self-directed IRAs. A small percentage of these accounts not managed properly means that millions of investors aren’t investing properly for retirement” Aama added. has previously been in Beta testing and is now live with periodically updated asset allocation models as well as helpful educational articles on proper retirement planning. The site is free to use and is mobile friendly.


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[1] 401(k) Plan Asset Allocation, Account Balances, and Loan Activity in 2013


[2] “Defined Contribution Plan Participants’ Activities, First Half 2015.” ICI Research Report (November).