Self-Directed 401k Investing

Participant-Directed Brokerages Available Through No Fees 401k

(No Fees 401k Uses Charles Schwab Brokerage as Our Default Choice)

No Fees 401k provides a long list of the most popular self-directed brokerage accounts from top brokers like Charles Schwab, Vanguard, and Fidelity, eTrade, TD Ameritrade, and more. Charles Schwab is our default choice for No Fees 401k, and we have been using Schwab as the custodian for most of our 401k plans for over 20 years.

Self-directed brokerage accounts are ideal for small business 401k plans because each 401k participant can select his or her investments for their retirement savings. Employers and plan trustees' fiduciary liabilities and responsibilities are significantly reduced because all investment decisions are made by 401k plan participants.

Unlike most traditional 401k plans, self-directed brokerage 401k plans relieve the employer of the responsibility and liabilities associated with "pre-selecting" a menu of "employer-approved" investments for inclusion in the company's 401k. With No Fees 401k self-directed brokerage accounts, each individual plan participant makes independent investment decisions about how his or her 401k retirement savings are invested.

Charles Schwab
(No Fees 401k's Default Choice is Describe Below)
Fidelity Investments
Interactive Brokers
TD Ameritrade
Vanguard Brokerage Services

No Hidden or Asset-Based Fees "skimmed" From Employees' 401k Retirement Savings

We at Pension Systems Corporation, distributor of No Fees 401k, has always worked hard to keep 401k plans as affordable as possible for our clients, many being small and very small companies.

In the 401k industry, the financial advisors and 401k administrators who provide small 401k plans to small businesses all have one thing in common.... 99.9% of them skim disclosed (and un-disclosed) fees from workers' 401k accounts, in most cases without the savers knowing about it. No Fees 401k is an exception to this norm in that we do not earn any compensation, either directly or indirectly, from our clients' 401k plan assets. Our published prices, available online for all to see, are the only compensation we collect. We will never collect revenue-sharing fees, commissions, or fees skimmed from 401k plan assets, EVER.

  • Pension Systems Corporation, the company behind No Fees 401k, has been using Schwab self-directed 401k participant accounts and Schwab’s 401k plan assets custody services for over 25 years, with a high degree of satisfaction by our clientele.
  • Charles Schwab is the nations’ most popular self-directed brokerage, providing No Fees 401k plan participants with cutting edge, state-of-the-art products and services.
  • Schwab has the most extensive list of no-load mutual funds, including Fidelity Funds and Vanguard Funds, all commission-free.
  • Schwab provides No Fees 401k users with commission-free stock and bond trades.
  • All No Fees 401k participant-directed accounts are free.
  • No Fees 401k participants are NEVER charged any 401k asset-based fees, skimmed from their personal retirement savings, EVER. That’s No Fees 401k’s iron-clad promise.