Investment Selection
Working Together to Achieve Your Goals
When designing and implementing an investment menu for your retirement plan, it's essential to consider your employee demographics.
At Empire Retirement Plans, our goal is to provide an investment option for every type of participant—from those who need guidance to those who prefer to manage their investments independently.
We achieve this by utilizing both external and proprietary tools to create a well-diversified investment menu, offering varying levels of risk, while ensuring the options remain clear and accessible for all plan participants.
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Plan sponsors typically have one of two main objectives for their retirement plan:
Ensuring participants have sufficient lifetime income to support a potentially long retirement (25 to 30 years).
Prioritizing principal preservation by reducing volatility as participants approach or reach their target retirement date.
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Once plan sponsors identify the plan's objective, they can focus on the three primary investment risks that participants face when saving for retirement:
Longevity risk – The risk that participants may outlive their retirement savings.
Inflation risk – The risk of losing purchasing power over time due to inadequate capital growth.
Market risk – The risk of losing principal due to unfavorable market fluctuations.
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Several plan design and demographic factors can also impact the evaluation process:
Current account balance (as a percentage of salary)
Savings levels (contributions from both employees and employers)
Other retirement income (such as Social Security or defined benefit plans)
We work to ensure your plan is aligned with your goals.
Due diligence on the investment menu
Exploring alternative investment options (e.g., CITs)
Offering a diversified range of menu options
Evaluating share class options
Target date fund selection
