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how to pick a mutual fund

How to pick a mutual fund that works for you.

The smart (and easy!) way to manage your retirement plan.

The HCM Optimizer® is for working individuals who need assistance choosing how to pick a mutual fund and allocating the investments in their 401(k), 403(b) or similar company-sponsored retirement plan.

Although the HCM 401(k) Optimizer is simple to use, the underlying analysis is highly advanced. It's like having your very own personal investment advisor. And it's on the job 24 hours a day, 365 days a year.

How the HCM 401(k) Optimizer® Works

Your recommendations are tailored to your specific situation.

Just spend a few minutes filling out a risk tolerance questionnaire so that we can make the most appropriate recommendations on how to pick a mutual fund tailored to your specific situation and your employer's specific plan.

Your Fund Choices

Our System Analyzes the Choices in Your Employer's Plan.

Managing your own retirement investments including mutual funds can be tough. And the wrong choices could lead to less money at retirement. We give you direct, personalized advice so you can feel confident about your financial future.

Recommended Funds

You Receive a Detailed Report From Us.

Taking your age and comfort level with risk into account, the HCM 401(k) Optimizer recommends which investment options you should choose – and how much you should allocate to each.

Know what to do during market ups and downs

Know What to do During Market Ups & Downs

No more worrying about your investments! When the market drops below the HCM-BuyLine®, you'll get clear advice on how to restructure your portfolio in an attempt to protect your assets. You'll also get advice on what to do when the market goes back up.

Identity Theft Protection from LifeLock

Identity Theft Protection from LifeLock®

When you sign up for the HCM 401(k) Optimizer, you can receive standard identity theft protection services from LifeLock® at no additional cost.

Make Better Stock Option Decisions

Make Better Stock Option Decisions

The 401(k) Optimizer can also help you identify trends in the performance of any single stock. It's a great resource for making decisions about how to pick a mutual fund and company stock options!


Vance Howard

Vance Howard

Creator of the HCM-BuyLine®

Learn more about us