Understanding Guideline's managed portfolios
Updated over a week ago

At Guideline, we created six different managed investment portfolios – from Conservative to Very Aggressive. Each one is diversified and aligns with a range of ages, risk tolerances, and goals so you can select what works for you.

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Our investment decisions within our managed portfolios are based on four principles:

  • Make saving for retirement more simple and accessible

  • Minimize investment fees

  • Diversify broadly across and within the major asset classes for better risk-adjusted returns

  • Avoid market timing by focusing on long-term investing strategies

How your recommended portfolio is selected

When you first enroll in your Guideline 401(k) or any time you choose to change your 401(k) or IRA managed portfolio, you’ll be asked a series of questions, such as when you plan to retire and how comfortable you are with investment risk. Based on your answers, we’ll recommend a suitable portfolio.¹

For example, if you’re at the start of your career with a longer time horizon until you plan to retire, you can typically accommodate more risk — and thus the possibility for more reward — because your investments will have time to balance out from market swings. But if you are set to retire in the next several years, you may be suited to a more Conservative portfolio to minimize volatility in the short term before retirement.

After completing the portfolio questionnaire, you’ll have the opportunity to review our recommendation, along with information and investment details about the portfolio. Ultimately, the choice is up to you on whether to choose the recommended option or one of our other managed portfolios. Alternatively, if you are an experienced investor or working with a personal financial advisor, you can instead design a fully customized portfolio from our fund lineup.

See our managed portfolio breakdowns here or Investment Policy Statement to learn more about our investment philosophy and objectives.

The information provided herein is general in nature and is for informational purposes only. It should not be used as a substitute for specific tax advice that considers all relevant facts and circumstances. Guideline makes no representations or guarantees with regard to investment performance as investing involves risk and investments may lose value. Clients should consult a qualified investment or tax professional to determine the appropriate strategy for them.

¹ As a robo-advisor, once an individual completes the suitability assessment, which is a simple questionnaire, Guideline recommends one of our six professionally managed portfolios composed of mutual funds via our proprietary software. Guideline does not provide individual investment advice.

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