Since 2006, Howard Capital Management, Inc. (HCM) has been building and perfecting the 401(k) Optimizer®. The 401(k) Optimizer® is an easy, automated online tool designed to help you manage your company-sponsored retirement plan investments through personalized allocation recommendations. The system uses your risk tolerance and long-term goals to generate portfolio allocation recommendations and will recommend changes you should make to your investment strategy based on your plan’s investment options and market fluctuations. In an attempt to optimize returns in your retirement plan, the 401(k) Optimizer® will suggest what investments to buy, when to buy them and when to sell them. It can also suggest when it may be time to make changes to your investment strategy based on market fluctuations. The 401(k) Optimizer® was made with you, the investor, in mind, and gives you the tools you need to confidently manage your retirement savings plan.
Once you create an account on the 401(k) Optimizer® website and complete the risk tolerance questionnaire, you will be asked to upload your employer’s plan.  After completing an in-depth analysis, the system will provide you with a personalized recommendation on how to appropriately allocate your portfolio. Your account’s online dashboard is user-friendly and allows you to see a detailed picture of your portfolio’s holdings and your personalized recommendations. Track stocks, update your profile and contact your financial advisor all in one place.
The 401(k) Optimizer® consistently monitors your portfolio.  When the time comes to make a change or update your portfolio, you will receive both a notification and detailed instructions to guide you through the process.  In addition, you can expect a quarterly email update on how to rebalance or reallocate your portfolio, if needed.
The Optimized Trend Indicator® (OTI) tool allows you to check the performance of any single stock, giving you an additional resource to use when making personal investment decisions.
By overlaying your investments with the HCM-BuyLine®, HCM’s signature stoploss protection tool, the 401(k) Optimizer® can offer downside risk management.  These proprietary tools work together to mitigate risk by indicating when it may be time to move your investments to cash or a more conservative investment option. Don’t let the fear of a market downturn hold you back!
  • The technology behind the 401(k) Optimizer® is non-emotional and repeatable.  It carefully analyzes:
  • Asset Classes
  • Fund Managers
  • Fund Performance
  • Asset Turnover
  • Current Market Conditions
  Contact Howard Capital Management, Inc. At Howard Capital Management, Inc. (HCM), we understand how important it is to work with someone you trust, that can create and deliver tools and technology to help you navigate the market with ease.  By planning for your financial future now, you can make your retirement an exciting and smooth transition.


This communication is issued by Howard Capital Management, Inc. It is for informational purposes and is not an official confirmation of terms. It is not guaranteed as to accuracy, nor is it a complete statement of the financial products or markets referred to. Opinions expressed are subject to change without notice. Howard Capital Management, Inc. may maintain long or short positions in the financial instruments referred to and may transact in them as principal or agent. Unless stated specifically otherwise, this is not a recommendation, offer or solicitation to buy or sell and any prices or quotations contained herein are indicative only. Our proprietary indicator, the HCM-BuyLine®, identified changes in the market trend. Buys and sells may or may not have occurred on the exact dates shown. These dates do not necessarily reflect transactions applied to every individual account. Also, certain products, custodians and portfolios may have a delay in execution. When the HCM-BuyLine® indicates a bull market, HCM then identifies the particular mutual funds, ETFs or individual stocks that we believe have the best return potentials in the current market from the universe of assets available in each given program and invests in them. When the HCM-BuyLine® indicates a bear market, HCM moves clients’ investments to less risky alternatives. Not every HCM-BuyLine® buy and sell will result in a profitable trade. There will be times when following the indicator results in a loss. However, there have been situations in the past in which HCM reduced clients’ exposure to equities during market downturns by following an HCM-BuyLine® signal, thereby preserving capital. Please remember that past performance may not be indicative of future results.  Different types of investments involve varying degrees of risk, and there can be no assurance that the future performance of any specific investment, investment strategy, or product (including the investments and/or investment strategies recommended or undertaken by Howard Capital Management), made reference to directly or indirectly in this newsletter will be profitable, equal any corresponding indicated historical performance level(s), be suitable for your portfolio or individual situation, or prove successful.  Due to various factors, including changing market conditions and/or applicable laws, the content may no longer be reflective of current opinions or positions. Therefore, no current or prospective client should assume that the future performance of any specific investment or investment strategy will be equal to past performance level or that it will match or outperform any particular benchmark.  Moreover, you should not assume that any discussion or information contained in this newsletter serves as the receipt of, or as a substitute for, personalized investment advice from Howard.  To the extent that a reader has any questions regarding the applicability of any specific issue discussed above to his/her individual situation, he/she is encouraged to consult with the professional advisor of his/her choosing. To the extent permitted by law, Howard Capital Management, Inc. does not accept any liability arising from the use of this communication. A copy of Howard’s current written disclosure statement discussing our advisory services and fees are available on our website LASS.102820 HCM.102820.50