401k: IBM

Last Updated:  March, 2010

As an IBM employee, you may be eligible to participate in your company's 401(k) plan.  This page is dedicated to giving you the information you need to make the most of the IBM 401(k) plan.
 
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Our company offers a free initial consultation if you have $200,000 in investable assets or are within 3 years of retirement.  The benefit to you of having an initial consultation with one of our financial advisors is that they can help you make decisions about your entire investment portfolio as well as answer other questions you may have.  The meeting can be held at our office in Seattle or on the phone.  To request a meeting, please click here or call 1-800-423-4893 and ask to speak with Laura Shelton.  If you prefer a prerecorded online workshop, please click here .

 

According to our records, your current plan options are listed below.  Please let us know if your plan has changed, or if there are additions or deletions to this list be emailing

 Current Investment Options:
  
 See Plan Documents  

 

 

 Our IBM 401(k) Recommendation:
     Aggressive
Moderate
 Conservative
    %Equity
 100%  60% 40%
     %Bond  0%  40%  60%
 Fund Name:
 Fund Category:        
DFA US Core Equity
 Large Cap Blend   11%
 6%
 4%
Large Cap Value Index
 Large Cap Value   11%
 7%
 5%
DFA US Small Cap
 Small Cap Blend
   11%
 6%
 4%
DFA US Targeted Value
 Small Cap Value
   11% 7%
5%
REIT Index
 Real Estate
   5% 3%
2%
DFA Large Cap International
 Foreign Large Blend   9% 6%
5%
DFA International Value
  Foreign Large Value
   9% 6%
5%
DFA International Small Cap  Foreign Small/Mid Value   18% 10%
4%
DFA Emerging Markets Emerging Markets
   5%
 3%
 2%
DFA Emerging Markets Value
 Emerging Markets
   5%
 3%
 2%
DFA Global Real Estate Securities  International Real Estate
   5%
 3%
 2%
Inflation-Protected Bond
  Inflation-Protected Bond   0% 8%
12%
Vanguard Intermediate-Term Treasury
 Intermediate-Term Bond
   0%
 20%
 30%
Vanguard Short Term Treasury  Short-Term Bond
   0%
 12%
 18%

 

Which Portfolio Is Right For You?
Here are our asset allocation recommendations based on the level of risk you decide to take.  To determine your tolerance for risk so that you can choose the portfolio that's right for you, be sure to read the articles linked on our homepage.  It's important that you understand the basis for our recommendations because you'll be more likely to implement them and stay the course.  If you have questions, check our FAQs. 
  

Aggressive Portfolio
When you want to take out all the stops and "go for it," this is the portfolio for you.  Equally weighted at home in the U.S. and abroad, this combination is a favorite of young investors with plenty of time before retirement and the ability to remain calm during market downturns.  It’s also suited for those on a fast track who want or need all the speed and distance they can get from their investments.  Because 100 percent of the portfolio is in equities, the only buffer against the slings and arrows of the market is time. But if you’ve got the time, this is the way to go.

Moderate Portfolio
This combination is a fine choice for many employees and especially for long-term investors. Its 60 percent weighting in equities gives it plenty of power for stock market growth, while the 40 percent in fixed-income provides stability and safety during declines in the market.  This portfolio is most suitable for investors with five or more years until they will need their money.

 

Conservative Portfolio
This combination stresses safety, with a mix of 40 percent equities and 60 percent fixed-income investments.  It is most suitable for investors who consider themselves conservative, who are close to or past the age of retirement or who, for whatever reason, care more about holding onto their money than making it grow.

 

Discover how professional money management can help you. 

Get a Free Consultation from a Merriman financial advisor.

 

 

DISCLAIMER:
This information is provided by Merriman, Inc., a registered investment advisor, and is believed to be from reliable sources, but no guarantee is made as to accuracy or completeness.  The investment securities and strategies discussed are not suitable for all investors. Recommendations are of a general nature, not based on knowledge of any individual's specific needs or circumstances, and there is no intent to provide individual investment advisory, supervisory or management services.  Merriman, Inc. is not an authorized representative of IBM or of its retirement plans.