FAQ

What services do I receive if I subscribe?

With the RetireHub application you can define your retirement goals, establish your risk tolerance, see how your retirement investments are likely to perform as they are presently structured, receive professional advice that may improve your asset class allocation and/or security selection, and learn how your accounts are likely to perform after incorporating RetireHub's investment advice. Best of all, we are a new generation of online independent adviser, working for your best interest.

How can RetireHub help me to save for retirement?

RetireHub can help you to decide how you should best apportion the funds that you save for retirement among the major asset classes (i.e., stocks, bonds and cash). RetireHub can also recommend specific mutual funds that are more likely than others to aid you in attaining your retirement goals.

Why do I need investment advice?

Many of the rules of thumb and thought processes that work well in everyday life fail to keep ordinary persons from making significant investing mistakes. With something as important as your retirement, mistakes are the last things you want to make. Investing is complicated. Successful investing is even more difficult to achieve by the typical person, which is why our service is so useful to you.

Is RetireHub paid by financial companies to recommend their products?

RetireHub does not receive sales commissions or fees for the investment products that we recommend. Our advice is unbiased and we have no conflicts of interest. We recommend the mutual funds or Exchange Traded Funds that we think are best for you, given the set of funds and ETFs that you tell us should be the basis of our advice (which we call your "advice preference").

How is RetireHub's advice generated?

RetireHub uses up-to-date data and long-established methods of economic analysis and portfolio construction. Appropriate economic factors are analyzed in a consistent and objective manner. Our advice is based on prudent investment principles and Modern Portfolio Theory (MPT).

Is the advice kept up-to-date? Do I use the system just once or can I use it as my life situation changes?

We want to know how your life is changing and how we can modify our advice to efficiently reflect those changes. That is the only process we know of that allows us to provide you ongoing personalized service. You can use the system as many times as you like to update your profile and advice. We update our advice quarterly based on our review of changes in market conditions and other investment and economic variables. We strongly suggest that you receive updated advice every quarter to realign your portfolio.

Who is RetireHub's advice most suitable for?

RetireHub's advice is most suitable for individuals or families accumulating retirement assets through investments in mutual funds or exchange traded funds (ETFs) in IRA's and employer-provided 401(k), 403(b)(7), and 457 plans.

Can I use the service if I am retired?

The service is most suitable for those ages 35-65 that are accumulating assets for retirement. At this time (though we will be soon) RetireHub is not set up to compute the many changes that occur at retirement or after age 70, such as mandatory withdrawals from retirement plans.

What securities and accounts does RetireHub provide advice on?

RetireHub provides advice on mutual funds and exchange traded funds (ETFs) held in IRA accounts, and employer-provided 401(k), 403(b)(7), or 457 plans. RetireHub's advice for these accounts encompasses the entire universe of over 25,000 publicly-traded mutual funds plus ETFs.

What's a good retirement income goal?

A retirement income goal is unique to each person. Most people do not need as much income after retirement as they did immediately before retirement in order to maintain the same standard of living. This is because the costs of commuting, work clothes, tools/supplies, and employment-related taxes (such as Social Security and Medicare) will no longer be incurred. And of course, they will no longer be stashing away a portion of their income for future retirement. Some workers who are still young and expect their working income to rise as their careers advance may want a retirement income that is related more to the working income they expect later in life than to their current working income. Other workers may anticipate extensive travel and expensive activities during retirement, and this may lead them to establish a retirement income goal that equals or exceeds their present income level. Rising post-retirement medical costs are causing many working people to rethink their retirement income goals and increase the amount of money they want to have available in case of need.

What levels of service are available?

RetireHub currently offers a free and a premium service.

What are the technical requirements of this service? Do I need to know computers?

If you have gotten this far, you have met all of the technical requirements! You only need to be connected to the Internet using a standard Web browser. You need no downloads and do not need any special software or skills. It's that simple!

What do I do if I have technical questions or need to speak to someone for clarification?

You may contact RetireHub at any time by clicking "Customer Care Email" in the "Contact Us" section of the side navigation panel. You may also email CustomerCare@RetireHub.com.

Will my data be saved between sessions?

Each time you complete a page you click on a "Save" or "Save and Continue". When you indicate that you are done with the page your changes are saved in our database and are available the next time you sign in.

How do we keep your data secure?

The privacy and security of your account information are very important to RetireHub.

To access secure areas of our site, your browser must allow 128-bit encryption and Secure Sockets Layer (SSL) version 2.0 protocol. We use these technologies to provide you the highest level of security and privacy when you access account information.

You choose your own password during the registration process. You are the only person who knows your password, and you can change it at any time.

Our site has built-in timers that terminate your access after prolonged inactivity. When you finish viewing your account information, you should log off from the site.

Can I increase the security of my data?

Use passwords that are difficult to guess. Never use a word that you can find in a dictionary or that is closely associated with you, such as your name or nickname.

Keep your browser up-to-date. You should check for updates periodically (as often as every month). To check for updates for Internet Explorer, click Windows Update on the Tools menu.

What are cookies and why must my browser accept them?

A cookie is a tiny piece of information we ask your browser to store and remember. We use Session cookies. These cookies are temporary and are deleted when you shut down your browser or log off, or after your computer is inactive for some time. These cookies act as timers, logging you off after prolonged inactivity to prevent unauthorized account access. If your browser doesn't accept cookies, you won't be able to view your account information online.