ASA Archives – Wiser Wealth Management

ASA Empower 401k Change

TO: Atlantic Southeast Airlines 401k Plan Participants On November 2, 2015, some changes took place in the ASA Empower 401k plan. In the letter to plan participants, Empower announced that they were changing the share class of the fund. Different share classes of mutual funds generally give discounts on management fees for larger investments. It makes sense that a 401k plan the size of ASA’s should be getting preferred pricing. The Empower notice is actually moving funds from the discounted share classes to, in some cases, […]
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ASA 401k Plan Changes

By now you have received notice that there are some changes happening within the ASA JPMorgan 401k plan. The good news is some of the funds are getting cheaper. Thefrustrating part is this should and could have happened a long time ago.
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Wiser Wealth to Host its Third Annual ASA 401k Workshop

Casey Smith will be providing a 401(k) workshop for Atlantic Southeast pilots and flight attendants on January 12th and 15th. The workshop will be held at the airport Hilton Garden Inn from 9:30am to 1pm each day. There are no strings attached with this event. Casey will simply be there to explain how to apply standard deviation, alpha and the Sharpe ratio to select funds within the 401k plan to optimize individual portfolios based on age and risk tolerance. Casey will also discuss the ASA brokerage […]
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ETFs in the Atlantic Southeast Pilots Brokerage Link?

ignorance is to reject something that you know nothing about.” Financial advisors, individuals, the media and professors are all still learning about the benefits of Exchange Traded Funds. Undoubtedly, ETFs have shaken the investment world by empowering investors at all levels with quick access to low cost diversification. Adding ETFs to the Atlantic Southeast 401k brokerage link will allow investors low cost access to global asset classes. If used properly, ETFs can increase the standard of living of the Atlantic Southeast retirees and allow for current reduced company risk, active management risk and portfolio liquidity. ETFs will allow plan participants to purchase the indexes that the active managers cannot seem to beat over long periods of time.
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Atlantic Southeast – Measuring Portfolio Risk

When building a 401k portfolio, many people simply look at a fund’s performance without considering the risk of the investment. Fund performance should not be the only tool used in selecting mutual funds for your 401k. Another analytical tool that should be used is standard deviation.
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Atlantic Southeast – Think Small

Think Small By Kyle Waller, Research Analyst Wiser Wealth Management, Inc & Casey T Smith, ASA ALPA 401k Specialist In 401K investing, there is a major asset class that does not get the respect it deserves. In fact, it is largely ignored both by investors and plan sponsors. This asset class, small cap stock funds, is a very important element in a 401K plan.
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Atlantic Southeast – The Cost of Not Saving

The Cost of Not Saving By Casey Smith, ASA ALPA R&I Committee 401k Specialist and Kyle Waller, Research Analyst, Wiser Wealth Management, Inc The saving rate among Americans is decreasing, yet the need for income in retirement is as crucial as ever with pensions and social security becoming scarce and not as guaranteed as they once were.
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Indexing Thought Brought to you by Today’s Mail

A look at look at 401k Maximizer, a active trading platform for airline employees and how this pie in the sky approach may leave some grounded in the long term.
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