Luminii LLC
401(k) Retirement Plan
Your 401k Plan
Every 401(k) plan offers a unique set of investment options. Based on the funds available in your plan, we have created an allocation designed to optimize long-term retirement outcomes for your selected investment strategy.
Suggested Allocation *
Use the dropdown to explore different risk strategies - Super Conservative, Conservative, Moderate, Growth, and Super Growth - and see how each one changes your portfolio allocation
SELECT A STRATEGY
Projected Fees Saved
Fees Saved
$0
Allocation Strategy
Proposed Portfolio
* This suggested allocation is based on recent data and is provided for informational purposes only. It is not investment advice, does not consider your individual circumstances, and does not guarantee future results. Plootus, a Registered Investment Adviser, is not acting as your fiduciary. Please consult your own financial or tax advisor before making investment decisions.
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Disclaimer: Plootus (an SEC-registered investment advisor) may receive compensation for referrals to third-party products and services, listed on our Partners page. These referrals are for informational purposes only and do not constitute an endorsement or recommendation. Plootus has not conducted due diligence on, nor assumes responsibility for, any third-party offerings. Users are encouraged to evaluate these options independently before making any decisions.
Retirement Intelligence
Why Optimizing Your Plan Matters
Small adjustments to your retirement fund allocation can have an outsized impact over your career.
Hidden Fees Compound Over Decades
Even a 0.5% difference in expense ratios can cost tens of thousands of dollars over a long career. Plootus identifies low-cost alternatives within your plan's lineup to keep more of your money working for you.
Assumes $100,000 starting balance, 7% annual return, and a 30-year investment horizon. Actual results will vary.
Default Funds May Underperform
Many employees remain in auto-enrolled default funds without reviewing whether they're the best option. A more tailored allocation — matched to your age and risk tolerance — may deliver better long-term outcomes.
Catch-Up Contributions Matter After 50
In 2026, employees aged 50+ can contribute an extra $8,000 beyond the $24,500 standard limit (total: $32,500). Employees aged 60–63 may contribute up to $11,250 extra under the SECURE 2.0 Act (total: $35,750) — a critical accelerator in the final years before retirement.