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Granite Retirement Services, LLC

Granite Retirement Services, LLCGranite Retirement Services, LLCGranite Retirement Services, LLC

The ETF 401(k) Solution

State-of-the Art Services

State-of-the Art Services

State-of-the Art Services

  • 3(38) Fiduciary Services
  • Plan Administration
  • Custodial Services
  • Recordkeeping Services 
  • Participant Education
  • Level Fees
  • Support


Managed Portfolios

State-of-the Art Services

State-of-the Art Services

7 Actively Managed all ETF Collective Investment Trusts sponsored by Hand Benefits & Trust and managed by Vanguard


Portfolios suited to participant’s needs and risk tolerance - Hand Benefits & Trust acting as Discretionary Trustee for the funds in its Collective Trusts  

Cost

State-of-the Art Services

Education

  • No expensive operational and research costs as found in most managed funds 
  • Low expense ratios 
  • Low plan sponsor expenses
  • Level Fees  

Education

Exchange Traded Funds (ETFs)

Education

Designed with a focus on meeting the needs of the plan participant, The ETF 401(k) Solution program provides each employee with the opportunity to receive educational investment information from an experienced financial advisor at no additional cost.

Exchange Traded Funds (ETFs)

Exchange Traded Funds (ETFs)

Exchange Traded Funds (ETFs)

An exchange traded fund (ETF) is a basket of securities that trade on an exchange just like a stock does.  ETFs  can contain all types of investments including stocks, commodities, or  bonds; some offer U.S.-only holdings, while others are international. 


The price of an ETF’s shares will  change throughout the trading day as the shares are bought and sold on  the market.  ETF  share prices fluctuate all day as the ETF is bought and sold; this is  different from mutual funds that only trade once a day after the market  closes.  Additionally, ETFs tend to be more cost-effective and offer low expense ratios.


Source:  https://www.investopedia.com/terms/e/etf.asp

The Total Solution

Exchange Traded Funds (ETFs)

Exchange Traded Funds (ETFs)

  • Exchange Traded Funds (ETFs) from iShares and Vanguard. 
  • Managed Portfolios from Vanguard. 
  • An Investment Management Fiduciary to oversee fund selection and defend its decisions - BPAS acting as 3(38) Fiduciary
  • Fee transparency, total disclosure, nothing hidden - DOL Regulation 408(b)(2), effective July 2012  

Disclosure

ETFs will fluctuate with changes in market conditions and may not be suitable for all investors. In many cases ETFs have lower expense rations than comparable index funds. However, since ETFs trade like stocks, they may be subject to brokerage fees and trading spreads. ETFs do not necessarily trade at the net asset values of their underlying holdings, meaning an ETF could potentially trade above or below the value of the underlying portfolio.


Granite Retirement Services, LLC

10 Cuttermill Road, Suite 302, Great Neck, New York 11021, United States

(516) 487-2648

Copyright © 2022 Granite Retirement Services, LLC - All Rights Reserved.

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