For individual investors, mutual funds offer cost-effective access to professional money management and excellent portfolio diversification Wellington offers a wealth of mutual fund choices - along with the research to help your plan participants with their investment decisions. Participant accounts are held at Charles Schwab & Co., Inc. Schwab pioneered the concept of making brand name mutual funds widely available to individual investors.

Whether you are buying a new car or investing in mutual funds, we all tend to give a little more consideration to well-known brands. Your employees will have more confidence and feel better about your retirement plan if they see investment options they recognize.

The Business Solutions 401(k) can provide access to mutual funds from some of the best known fund families; including American Century, Janus, Vanguard, Scudder, Fidelity, AIM, T Rowe Price and about 200 more. Your employees will benefit by having a choice of different investment management styles, rather than being stuck with a single fund group or annuity. With such a broad fund lineup, all of your plan participants can easily tailor a long-term investment strategy based on specific investment objectives, risk profile, time horizon and other individual factors.

The tools for research.

Schwab also provides the tools that your employees may want to help them make informed decisions. For example Schwab offers a concise list of carefully pre-screened funds through the Mutual Fund OneSource® Select ListT which contains funds that meet certain criteria for performance, risk, expense and diversification. Additionally, Schwab also offers investment tools - from the basics of mutual fund investing to in-depth studies from Schwab' s research analysts.