Percentage who report feeling stressed about preparing for retirement
INVESTMENT SELECTION
How we select retirement plan investment options
Research capabilities
Another important aspect related to the investment process is thorough research. Each of the investment firms with which Mutual of America does business has strong depth with respect to their portfolio management operations and research capabilities.
Investment process
Understanding a fund’s investment process is extremely important because it allows us to separate skill from luck. Strong performance results, in the absence of a well-defined investment process, may not be repeated in the future.
We seek to avoid including funds that are sometimes fashionable from time to time but may be more volatile and inconsistent with long-term investment goals.
Our rigorous investment vetting process seeks to ensure that the mutual funds we offer have the right combination of expected returns and risks to validate the incredible amount of trust that will be placed in them, possibly for decades.
Because Mutual of America works with some of the industry’s strongest investment managers, we get a close-up view of their thinking, strategies and outlook on the markets. This insight helps us determine whether a fund should be on our platform and, if so, what role it fills in providing a well-rounded array of asset classes.
Our goal is to make your job easier by doing much of the investment selection up front. We want you to be confident that the mutual funds we offer represent excellent value and utility for your retirement plan participants.
So, how do we choose investment options? We look at many different facets of an investment management firm, including its portfolio management process, research capabilities, manager track record and standards of ethical business practices.
Participant education is critical to success. We ensure that your employees receive the knowledge they need to make the right choices and participate fully in the retirement options you offer them.
59%
Percentage of workers who expect workplace retirement savings to be a source of income in retirement
82%
Percentage who believe workplace education about financial priorities would be helpful
70%
Source: “2019 Retirement Confidence Survey,” Employee Benefit Research Institute/Greenwald & Associates, April 2019.