Retirement Center

The best way to manage your retirement account is with The 3% Signal. Whether you save for retirement in a company 401(k) or an individual account such as an IRA or Roth IRA, you can run the plan.

The 3% Signal (3Sig) will remove stress from indecision by telling you every quarter exactly what move to make — and just once per quarter. It will reduce the expenses you’re paying by using only the two most affordable funds available to you — and only two. Best of all, it outperforms the general stock market over time. In beating the market, it also beats the majority of professional managers, most of whom lose to the market while charging expensive fees and issuing conflicting advice.

Please read The 3% Signal to get the most out of this page, which lists the best funds to use based on where you’re running the plan. The book is in libraries and bookstores, and there’s more information about it here.

The plan uses just one bond index fund and one stock index fund. The following table lists the funds to use at major brokerage houses:

[Broker Table: Fidelity, TDAmeritrade, Schwab, Vanguard]

The following table lists the funds to use in various company 401(k) plans. To read more about running 3Sig in a specific company’s plan, click the name of the company. If your company is not listed, email me (via the Contact page) your plan details and I’ll add it to the table:

[401(k) Table]


  1. Posted March 27, 2016 at 9:24 pm | Permalink


    Your tables don’t appear to be showing. Looks like maybe a shortcode isn’t working, or you switched plugins? Either way, I was just trying to avoid searching for this info in the ebook :)

    • Posted March 29, 2016 at 12:31 pm | Permalink

      You’re quite right, Glenn. I’ll get this fixed for you! Meantime, if you send your plan’s information I’ll help you find the right funds to use for 3Sig.

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