Managing your retirement account is key to achieving your financial goals. This guide explains how to view your plan's investment options, direct future contributions, manage current investments, and use rebalancing tools to keep your portfolio aligned with your goals. Whether you're just getting started or making changes, this guide will help you navigate your investment options confidently and avoid common issues like redemption fees and blackout periods.
Viewing Your 401(k) Investment Options
From your account dashboard, you can explore the investment options available in your plan:
- Log in to your account
- From the left-side navigation, click 401(k) > Investment Options
For each fund, you’ll see:
- A link to detailed fund information (fund prospectus)
- Ticker symbol
- Fund objective
- Current NAV (Net Asset Value) or price
- Historical performance data
Note: Some funds listed under Investment Options may not appear in the Investment Allocations, Transfer, or Rebalancing sections. This usually happens if the fund family has:
- Closed the fund,
- Set a required minimum investment amount, or
- Added a front-end transaction fee
These types of funds are not available for investment through our retirement platform.
Understanding Default Investments (QDIA)
You have the right to direct your investments at any time. If you do not make an investment election, all contributions made to your account—including employee deferrals, employer contributions, and rollovers—will be invested in your plan’s Qualified Default Investment Alternative (QDIA).
You can find details about your plan’s QDIA in the Annual QDIA Notice, available from your main dashboard under My 401(k) Resources.
Directing Future Contributions
Your investment elections for future contributions determine how new money entering your account will be invested.
To update future contribution allocations:
- Log in to your account
- Go to 401(k) > Investment Allocations
- Select your preferred percentage allocations across the available funds
- Optional: Select Rebalance my existing account balance to match the above elections to align your current investments with your new elections
Managing Your Current Investments
You can manage your existing investment balances through transfers or rebalancing.
Transfers
Transfer transactions let you move money between funds by selling some or all of your current holdings to purchase different investments.
To complete a transfer:
- Click 401(k) > Transfers
- Follow the prompts to reallocate your current investment balances
One-Time Rebalance
Over time, your investments may drift away from your intended allocation due to market performance. Rebalancing helps restore your portfolio to your target mix.
Example: If Fund A grows faster than Fund B, your 50/50 split might shift to 65/35. A rebalance will bring it back to 50/50.
To rebalance your account:
- Go to 401(k) > Rebalancing
- Enter your desired percentages under Rebalance %
- Submit your request
This will only impact your current holdings. Future contributions will follow your existing allocation settings unless separately updated.
Setting Up Recurring (Automatic) Rebalancing
Recurring rebalancing automatically adjusts your current investments to match your future allocation percentages at regular intervals.
To set up automatic rebalancing:
- Go to 401(k) > Rebalancing
- Click Schedule Automatic Rebalancing
- Choose your frequency: monthly, quarterly, or yearly
- Select your rebalance date: first day of the month, last day of the month, or a custom date
- Choose your start date
- Click Schedule My Rebalance
The system will display your next five scheduled rebalancing dates. To cancel or reschedule, return to the Rebalancing screen and select Cancel scheduled rebalance or Reschedule Rebalance.
Processing Time: Rebalancing transactions generally settle within 2–3 business days. Requests submitted before 8:55 AM PT on a market day will be processed using that day’s closing market price.
Understanding Redemption Fees
Some mutual fund companies impose redemption fees if you sell shares too soon after purchasing them—typically to discourage short-term trading.
These fees:
- Are defined by the mutual fund company, not Ubiquity
- Help protect long-term investors and fund stability
- Are disclosed in the fund’s prospectus
To check for redemption fees:
- Go to 401(k) > Investment Allocations
- Click the fund name to access the fund prospectus
- Review redemption fee rules and holding period requirements
Ubiquity does not profit from these fees and is required to remit any applicable fees directly to the fund provider.
Blackout Periods
A blackout period is a temporary restriction when you may not make changes to your account, such as:
- Adjusting investment elections
- Initiating distributions or loans
- Making transfers or rebalances
Why do blackout periods occur?
They typically happen during:
- System upgrades or platform changes
- Fund lineup updates
- Mergers or other plan-level changes
Notice Requirements:
If a blackout period will last more than three days, you’ll receive an email notice at least 30–60 days in advance. The notice will include:
- Start and end dates
- Reason for the blackout
- Impact on account access
- Contact information for questions
Plan ahead to make any necessary changes before the blackout begins.
Investment Fund Changes
At times, your plan may update the investment lineup by adding, removing, or replacing funds.
What you’ll be notified of:
- Which funds are changing
- The effective date of the change
- How the change affects your current investments and future elections
- Whether a blackout period applies
- Any actions you may need to take
You’ll receive advance notice by email at least 30 days (but not more than 60) before the changes take effect, unless an urgent change requires faster notification.
Why You Might Receive a “Portfolio Updated” Email
This message may be triggered by:
- A scheduled automatic rebalance
- A plan-level rebalance by a managed portfolio advisor
- Moving all assets to a brokerage account
- Manually rebalancing through the Rebalancing screen
- Updating your future allocation and opting to rebalance at the same time
- Switching to the plan’s QDIA
- Opting into a managed model allocation provided by your plan’s investment advisor
Need Help?
If you have questions about selecting investments, rebalancing, or understanding fees and blackout periods:
📧 Email: info@myubiquity.com
💬 Chat: Log in to your account and click the chat icon for 24/7 support.