PDF Insperity 401(k) Plan

Insperity 401(k) Plan

Investment Guidance

As a participant in the Insperity 401(k) Plan, you have access to ProNvest, a service that helps guide your investment decisions. ProNvest can help you get started or even strengthen your existing account while taking some of the worry out of selecting retirement investments.

Who is ProNvest?

ProNvest is a professional registered investment advisor offering:

? Online guidance

? Professional account management

ProNvest offers 42 strategically diversified portfolios to assist you in choosing a customized investment strategy using the funds available through the Insperity 401(k) Plan.

How it works

Both the online guidance and the professional account management services get you started with access to an online retirement planner. The retirement planner is a questionnaire designed to help you determine:

? How much money you may need to retire

? What actions you need to take

Participants of the Insperity 401(k) Plan automatically receive a secure account with ProNvest. Follow the steps below to get started:

1. Select the link "Investment Guidance ? ProNvest."

2. Go to the retirement planner tab and begin answering the questions.

3. Review the suggested investment strategies to best help you reach your retirement goals.

4. D ecide whether online guidance or professional account management is right for you.

5. Implement your strategy.

Online guidance

If you're unsure of which investments to get you started, the retirement planner can take some of the work out of choosing investments by recommending a blend of funds based on your responses. All you have to do is complete the online questionnaire and decide whether to implement the suggestions in your 401(k) account. If your strategy or risk tolerances change, you can come back to the retirement planner as often as needed.

Note: If you choose to use the retirement planner to manage your account on your own, it's a good idea to regularly update the retirement planner including when you experience a major life change.

Once you enroll in the account management program, you should complete the retirement planner online or consult with a ProNvest retirement counselor. ProNvest considers details like your current age, risk tolerance, additional investments belonging to you or your spouse and the average retirement age, and then allocates your available funds to investments in the Insperity 401(k) Plan. ProNvest typically rebalances its recommendations every quarter or to keep up with changes in market trends or portfolio funds.

Professional account management

You also have the option of selecting professional account management services from ProNvest. You can hire ProNvest to manage your account by signing an Investment Advisory Agreement (IAA). If you do not complete the retirement planner within ten working days of signing the agreement, ProNvest will allocate your account balance in an appropriate age-based model portfolio.

A professionally managed account carries certain fees. To learn more about this service available to you through the Insperity 401(k) Plan, contact a ProNvest retirement counselor at 866-738-5125 or by email at mysupport@.

Frequently asked questions about ProNvest services

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