Comprehensive plans customized according to individual needs
We believe that everyone’s financial situation is unique and is influenced by multiple factors like
earnings, expense behavior, assets, risk appetite, age, commitments and other demographics. Our
main focus is to help you create a diversified portfolio and balance it with your risk tolerance. We
analyze all aspects like current income and expenses, assets, contribution over a period of work life,
retirement year, life expectancy, funds availability and fees before making any recommendations. Of
course, we monitor your accounts regularly to keep you on track.
We do the grunt work and ensure you never go off course
Our algorithm reviews your current & past expenditure pattern, family status and risk appetite, and
forecasts future income and expenses until projected lifespan. It adjusts for changes such as child care
needs and changes in healthcare expenses over the years. We then review your risk appetite and determine if the current
assets in your employer's supported retirement account and the strategy you are using are sufficient to cover
future needs. This helps us select your ideal investment portfolio based on fee structure, volatility of returns and diversification.
We track the performance of the funds on a regular basis.
How our algorithm works
1. The user creates a profile and links accounts such as bank accounts, credit cards,
mortgage 401k, 529 plan to acquire a comprehensive view of your financial profile.
2. Our proprietary models estimate total money required and suggest how you should
accumulate money to meet your expectations. We suggest how much you
should contribute and which strategy you should choose.
3. Once the investment strategy is determined. Plootus analyzes the fund options from
401k/403b/457 plans based on various risk/return factors and recommends how to invest/allocate
into different asset classes.