ShareBuilder 401k Quick Q&A
Frequently Asked Questions
Q: Who is Capital One Investing?
A: Capital One Investing
is a leader in offering online investing services that makes it easy and affordable
for any investor to get started. Our vision is to help lead Americans back to saving.
Capital One Investing also offers pioneering 401(k) plans designed for small and mid-size
businesses. Capital One Investing is a subsidiary of Capital One, N.A.
Q: What is a ShareBuilder 401k?
A: ShareBuilder 401k brings together leading on-demand technologies
with a smart index-based approach to investing. Our 401(k)
plans are supported with fully licensed 401(k) Consultants
and Customer Success Managers to help serve employers and participants at the highest
Q: How is the ShareBuilder 401k different from other providers
A: The ShareBuilder 401k is truly a new and innovative way to offer
a 401(k). We offer a 401(k) that is designed for the small and mid-size business markets.
We've designed it to be easy, affordable, and smart:
- Easy — The ShareBuilder 401k is 100% online and convenient.
Our free online quote
process does the hard work for you; it will: 1) select the 401(k) plan that best
fits your company's needs; 2) provide an immediate quote online; and 3) allow you
to purchase the plan on the spot.
- Affordable — The ShareBuilder 401k is designed to be the
low-cost 401(k) solution for any size businesses. It also has the simplest fee
structure in the industry and has no hidden fees.
- Smart — We are a leader in providing 100% ETF 401(k) plans,
a smart, index-based approach to long term saving.
Q: What investments are available in the ShareBuilder 401k?
A: All ShareBuilder 401k plans offer 20 diverse exchange-traded funds (ETFs)
as well as 5 model portfolios,
designed to suit different investing styles. Our plans also offer participants the
option to automatically rebalance their account
four times a year for free. Visit the Investments
section to view the model portfolios and ETFs available in the ShareBuilder 401k.
Q: Why do you offer ETFs instead of more traditional managed portfolios?
A: ETFs are an efficient investing option. ETFs are baskets of stocks
that track a specific index, like the S&P 500. Since these funds do not have
individual fund managers, they generally have low expense ratios that
range from 0.09% to 0.78%.
Q: Will the ShareBuilder 401k accommodate my growing employee base?
A: Absolutely. We have a 401(k) for every need and, as your company
grows, your 401(k) plan will grow with it. Changes to your plan are as simple as
accessing the site and adding your new employee's information. Our 401(k) programs
are scaleable and designed to give you complete flexibility.
Q: Can my employees or I call if we have questions?
A: You and your employees may access and manage your ShareBuilder 401k
plan and reference our online help 24 hours a day. Our Customer Care team is also
available for phone and email support Monday through Friday from 9am to 8pm ET.
Q: How much time will it take me to manage my company's 401(k) plan?
A: The ShareBuilder 401k is a complete solution that allows you to
access and manage your company's 401(k) plan online 24x7. The process to set up
a plan is quick and easy, and it takes just a few minutes a month to manage.
Q: How secure is my company's information on the ShareBuilder 401k
A: Protecting your privacy and personal information is a top priority
for us at ShareBuilder 401k. We use a variety of modern technologies and techniques that
provide multiple layers of protection against network or physical intrusion and
compromise. Additionally, we evaluate and monitor our partners to ensure that their
security policies meet our standards.
Q: What type of enrollment materials will I need?
A: Enrollment is handled 100% online. No hard copy information is necessary.
Q: How long will it take to setup my 401(k) plan?
A: Getting your company's 401(k) plan up-and-running takes just a few
short minutes online. First, input your company's information to receive your recommended
401(k) plan and free quote. Second, select the purchase button on your quote. Third,
complete the brief online set-up process and enter your employees' information.
It's that simple. And if you need additional assistance to help set up your plan,
you may contact our sales department by phone, at
800-943-6108 x1, or by email, at
Q: I am self employed, does ShareBuilder 401k offer a plan for me?
A: Yes, ShareBuilder 401k provides owner-only businesses with the opportunity
to shelter a significantly higher portion of the profits for retirement than previously
allowed through conventional retirement plans with an
Individual 401k plan.
Q: How do I get started?
A: Every company deserves the benefits of having a 401(k). Get a Free Quote
Q: What other retirement savings options does Capital One Investing
A: If you work for a company that doesn't offer a 401(k) plan or if
you are self employed and are not planning to contribute more than $5,500
this year to your retirement, you may want to consider opening a Capital One Investing Traditional or Roth IRA. With a Capital One Investing
IRA, you can contribute up to $5,500
annually, get free investment guidance with
PortfolioBuilder and automatically invest in over 5,000 stocks and ETFs.