What would you call a 401k plan that combines indexing, mutual funds, and active management with daily pricing and internet access?  Dr. Harloff, editor of "Harloff's The Intelligent Fund Investor",  calls it "pure genius".  The good news is that your employees get the benefits of broad  investment options whether they choose a few fund investments, a mixture of index funds and mutual funds, or actively managed portfolios.  With daily pricing and switching capability this is a large step forward in 401k offerings.  Timing is everything in investing.  Sometimes buying index fund(s) or specific fund(s) works better.  Sometimes active management outperforms. This 401k plan is better.
 

Do you want an affordable turnkey 401k plan where you can tax defer up to $35,000 per year, or do you need help with your corporate  investments?  We can assist you in: designing your 401k plan to suits your needs, employee education, and getting your 401k up and running quickly and smoothly.

We work with a large established company with 35 years retirement experience and offer their new turnkey 401k plans, as described below and in Table I below. We offer indexes, actively managed portfolios, and mutual funds. If you already have a 401k think about our large selection of 122 funds from 10 fund companies, including Aim, Alger, Federated, Fidelity, Invesco, Janus, Liberty, Loomis-Sayles, and Oakmark  We also offer you private money management, see below.

401k: Recent developments make our flexible 401k retirement plan affordable for companies with less than 100 plan participants. This benefit may help you put more of your pay into a tax-deferred plan and retain your quality work force. The plan has tax advantages for both employer and employee. Plan flexibility doesn't require a matching provision, and has an optional loan feature. These two plans are summarized below and in more detail in the attached table. Benefits include:

• Secure plan assets: administered by a qualified trustee, custodian, and record keeper with 35 years experience.
• 12 Comprehensive Investment Options (see Table II below) from: actively managed portfolios, index funds, and mutual funds.
• Daily Valuations by Internet and voice response.
• The custodian completes Form 5500 for either the (1) Safe Harbor 401k Plan or (2) Simplified 401k Plan selected.

This can this be your employees when they retire.

Corporate and Private Money Management: We offer private money management for individuals and companies independent of 401k plans. We employ our unique mutual-fund-timing system to invest in portfolios of No-Load funds, manage money in a limited partnership, and No-Load Variable Annuities. Call for details.

Please contact  Harloff Capital Management at 440-871-7278 or e-mail us at harloff@sbcglobal.net to: (a) receive our free by e-mail report "401k Primer", (b) learn more about our 401k plans, or (c) receive information on our private money management program.

This information is believed to be correct but is not guaranteed.

Our 401k plans are flexible and turnkey with broad investment choices including professionally managed portfolios. The Plan trustee, custodian, and record keeper has 35 years of experience. Both plans have daily valuations by Internet and voice, and IRS Form 5500 completed by custodian.

Features         Safe Harbor 401k                                    Simplified 401k

Eligibility             Age 21, 1 year of service,                              same
Requirements      minimum of 1,000 hours/year

Maximum          $10,500 for 2001 (set each year by IRS)         same
Participant
Deferral

Required              two choices:                                                  four choices, each year:
Employer               (1) 3-15% of participant compensation, or      (1) employer elects to match a
Contribution           (2) 100% match up to 3% of participant          percentage of participant deferral
                                     compensation plus 50% match from         up to a maximum amount, or
                                     3 to 5% of participant compensation        (2) employer elects to match from 0
                                                                                                    to 15% of participant deferral, or
                                                                                                    (3) employer determines amount, or
                                                                                                    (4) no employer contribution

Total Limit           smaller of 25% of compensation or                 same
For Deferral         $35,000
Match and
Employer
Contribution

Investment           12 options from 5 indexes,                             same
Options                7 funds, and professional
                            portfolio management

Vesting                100% immediate                                   0 to 5 years or 100% immediate

Loan                   optional                                                         same

Year-End            automatic, not required                                  completed by custodian
Compliance
Testing
 

Our 401k plan has 12 investment options from RIA Managed Portfolios, Core Index Funds, and Mutual Funds.  These options are listed below.

(0-2) RIA Managed Portfolios: Managed Aggressive Growth, Managed Moderate Growth

(5) Core Index Funds: Growth, OTC 100, Value, International, Bond

(5-7) Employer may select up to 7 mutual funds from the following list, reduced by the number of managed portfolios. The extensive list of funds available is given below. The number in parenthesis indicates the number of funds for each fund family. More than 120 funds are available from 9 families.

(3) AIM: AIM Global Aggressive Growth, AIM Global Growth, AIM Global Income

(6) Alger (Retirement Series): Balanced, Capital Appreciation, Growth, Mid Cap, Small Cap, Socially Responsible Growth

(13) Federated (A Shares): Aggressive Growth, American Leaders, Bond, Capital Appreciation, Communications Technology, Equity Income, Capital Preservation, Growth Strategies, High Income Bond, International Equity, International Small Company, Large Cap Growth, Small Cap Strategies

(21) Fidelity Advisor (Class T): Balanced, Diversified International, Dividend Growth, Emerging Markets Income, Equity Growth, Equity Income, Government Investment, Growth & Income, Growth Opportunities, Health Care, High Yield, Intermediate Bond, Large Cap, Mid Cap, Mortgage Securities, Overseas, Short Fixed Income, Small Cap, Strategic Income, Technology, Value Strategies

(14) Invesco (K Class): Balanced, Blue Chip Growth, Dynamics, Endeavor, Energy, Equity Income, European, Financial Services, Growth and Income, Health Sciences, High Yield Select Income, Technology, Telecommunications

(10) Janus Adviser: Aggressive Growth, Balanced, Capital Appreciation, Equity Income, Flexible Income, Growth, Growth and Income, International, Strategic Value, Worldwide

(37) Liberty (Class A): Acorn, Acorn International, Acorn USA, Acorn Foreign Forty, Acorn Twenty, Contrarian Equity, Contrarian, Contrarian Income, Contrarian Small Cap, Federal Securities, Floating Rate, Floating Rate Advantage, Growth & Income, Growth Investor, Growth Stock, High Yield Bond, High Yield Securities, Income, Income Bond, Intermediate Bond, Intermediate Government Bond, Large Company Focus, Midcap Growth, Money Market, Newport Asia Pacific, Newport Europe, Newport Global Equity, Newport Greater China, Newport International Equity, Newport Japan Opportunities, Newport Tiger, Select Value, Small Company Growth, Strategic Income, Utilities, Young Investor, The Liberty Fund

(6) Loomis-Sayles (Administrative Class): Aggressive Growth, Bond, Growth, International Equity, Small Cap Growth, Small Cap Value

(7) Oakmark (Class II): Equity and Income, Global, International, International Small Cap,
Oakmark, Select, Small Cap

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