While mutual funds are the preferred choice of 401(k) brokers due to their high kickbacks, the research is clear — employees are better off investing in index funds.

“Most investors will find that the best way to own common stocks is through an index fund that charges minimal fees. Those following this path are sure to beat the net results (after fees and expenses) delivered by the great majority of investment professionals.”

Warren Buffett
Low-cost index funds and more

The Captain401 recommended 401(k) plan includes low-cost Vanguard index funds from every major asset class and risk category. We also have access to nearly every mutual fund and index fund on the market (over 30,000 funds) from Charles Schwab, BlackRock, Oppenheimer, Fidelity, and many more.

Unlike other 401(k) providers, Captain401 does not accept kickbacks, so we have no financial incentive to recommend any particular fund.

For employees who want personalized investment advice, we offer it at no additional cost. Employees who want more flexibility can choose and manage their own funds.

Fund name Symbol Expense ratio
U.S. Stocks
TIAA Social Choice Equity Fund TRPSX 0.34%
Vanguard Total Stock Market Index Admiral VTSAX 0.04%
Vanguard 500 Index Admiral VFIAX 0.04%
Vanguard Value Index Admiral VVIAX 0.06%
Vanguard Growth Index Admiral VIGAX 0.06%
Vanguard Mid Cap Index Admiral VIMAX 0.06%
Vanguard Mid Cap Value Index Admiral VMVAX 0.07%
Vanguard Mid Cap Growth Index Admiral VMGMX 0.07%
Vanguard Small Cap Index Admiral VSMAX 0.06%
Vanguard Small Cap Value Index Admiral VSIAX 0.07%
Vanguard Small Cap Growth Index Admiral VSGAX 0.07%
Vanguard FTSE Social Index Fund VFTSX 0.22%
International Stocks
DFA International Small Cap Value DISVX 0.68%
DFA International Small Cap DFISX 0.53%
DFA International Value DFIVX 0.43%
Vanguard Total International Stock Index Admiral VTIAX 0.11%
Vanguard Developed Markets Index Admiral VTMGX 0.07%
DFA Emerging Markets Small Cap DEMSX 0.72%
DFA Emerging Markets Value DFEVX 0.56%
Vanguard Emerging Markets Stock Index Admiral VEMAX 0.14%
Real Estate
DFA Global Real Estate DFGEX 0.24%
Vanguard REIT Index Admiral VGSLX 0.12%
TIAA Social Choice Bond Fund TSBPX 0.55%
Vanguard Total Bond Market Index Admiral VBTLX 0.05%
Vanguard Short-Term Bond Index Admiral VBIRX 0.07%
Vanguard Intermediate-Term Bond Index Admiral VBILX 0.07%
Vanguard Long-Term Bond Index VBLTX 0.15%
Vanguard Short-Term Inflation-Protected Securities Index Admiral VTAPX 0.07%
Vanguard Total International Bond Index Admiral VTABX 0.12%
FDIC Insured Deposit Account

Automated investing for your employees

Individuals who get professional assistance in managing their 401(k) accounts earn 3.32% higher annual returns. Our 401(k) includes an automated investing service (optional, at no additional cost) so that employees can make the most of their savings.*Based on a 2014 study by Aon Hewitt and Financial Engines

Globally diversify, automatically rebalance, and avoid hidden fees without doing any of the work.

We also offer flexibility for employees who want to choose and manage their own funds.

Learn more about our investment philosophyInvestment advice provided by Captain Advisors LLC.