For those who spend their life working to advance the business goals of their employers, most look to the company 401(K) plan for their primary source of support during retirement. After a long and successful career, this may represent an employee's single largest asset.

In spite of this, many take a passive approach to their 401(K) investments, without considering that abrupt changes in the investment environment may substantially affect the appropriateness of their investments. The InvestToWin.com 401(K) program offers a totally unique approach to maximizing the growth of this important asset, while minimizing risk.

Our 401(K) program is currently limited to the employees of only four companies:

• IBM
• GE
• Lockheed-Martin
• AT&T

We will consider adding a company only if we achieve a minimum critical mass of participants, which will allow us to devote sufficient time to tracking the company's stock and other investment options offered in the plan. To submit an application to have your company included in the program click here.

Investing 401(K) assets is different than managing a traditional portfolio. You are only allowed a limited number of changes per year, with investment options that usually include your company's stock, a money market fund, and a few other investment funds. Portfolio changes must be used wisely, particularly early in the year when many uncertainies remain.

With the InvestToWin.com program, we provide you with recommendations telling you exactly what to do on any given day. Most days, the recommendation will be to do nothing. However, on those days when we recommend a shift, it is almost always important.

Besides our recommendations, the program provides many other benefits, including a real-time stock and news ticker that displays on your screen as long as you are connected to the Internet. The ticker can be customized to display exactly the securities (including most popular averages) you choose, and news on specific companies and topics you select.

When a buy or sell action is recommended for your account, you will receive an alarm from us, which will be communicated to you in at least five different ways, to make sure that you don't miss it, including:

1. the real-time ticker application we supply you with
2. a computer generated telephone call which you can accept, reject, and reply to
3. e-mail
4. this website, and
5. a daily message if you call in to our automated phone system after 4PM.

We monitor your activity on each of these channels, and in the unlikely event that none of them reaches you, a real person will call you the next day.

Are our recommendations right all of the time? Of course not. However, if you would like to see our five year track record for each of the four companies in the program, visit our past performance page.

The cost depends on the size of the 401K account. It is 1/2 of 1% per year for the first $100,000 and 1/4 of 1% for anything over $100,000. There is a minimum charge of $300 per year.

Example:
If your account value is $100,000 the cost would be $500 per year billed in equal installments semiannually, if your account value is $300,000 the cost would be $1,000 per year billed in equal installments quarterly.

Consider that with $300,000 you probably can buy 2,500 shares of company stock in your plan, and if we give you one sell signal followed by a buy signal just $1 below, you make $2,500. Generally each swing is $5 to $7 and we have several each year. You can see how the service easily pays for itself.

Disclaimer: We are in no way affiliated with, sponsored by, or connected with any of the companies whose plans we offer advice on.