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From default options like target date funds to more customized, values-aligned investment offerings, today’s retirement plans offer more flexibility—and opportunity—than many plan sponsors realize. Yet, many employees simply accept the default investment options provided by their employer, often without fully understanding their choices or how they align with their personal values.
Have you taken time to understand what matters most to your employees? Have you surveyed them about their environmental, social, or faith-based values? These factors can significantly influence how people choose to invest.
For example, one of Envision Wealth Planning’s former representatives shared that his father, a devout Muslim, and several of his peers chose not to participate in their company’s retirement plan because the investment options conflicted with their faith. They feared job repercussions if they spoke up. Similarly, employees from various religious backgrounds—whether Catholic, Muslim, or others—may have strong convictions about the types of investments they are comfortable supporting. For instance, a devout Catholic might be concerned about whether certain mutual funds contain companies that produce abortifacients or violate other core beliefs.
Offering values-aligned investment options isn’t just a nice-to-have—it can be a critical way to build trust, increase participation, and ensure your retirement benefits truly serve the needs of your workforce.
We help you understand your plan options, evaluate your employees' needs and values, and ensure your QDIA (default fund) decisions are thoughtful and inclusive. Whether it’s offering women’s empowerment funds, private-prison-free options, or faith-aligned portfolios, we’ll help you craft a 401(k) plan that reflects both care and strategy.
