Save intelligently.

You have enough on your plate. Handling the complex terrain of the 401(k) industry can distract you from what really matters – servicing your clients. Beaumont Capital Management (BCM) will work with you to build a plan from the ground up to meet virtually any retirement need, starting with the all-important qualified default investment alternative (QDIA).

BCM Blog: Four Tips From the Department of Labor (DOL) on Selecting Target Date Funds

BCM DynamicBelay® Target Date Funds (TDFs)

Currently, the most common type of QDIA is the target date fund (TDF), but the typical TDF has proven weaknesses. So we engineered the BCM DynamicBelay® TDFs to address these shortcomings. Built upon our investment philosophy of growth with defensive disciplines, these low-cost TDFs use a combination of tactical and strategic allocations to Deliver What Investors Expect™:

  • Low Cost and Transparent Expenses so all-in* costs are less than 45 bps!
  • Real Defense gives participants the confidence to stay invested and keep contributing, even during bear markets.
  • Participants first because a retirement plan should be for participants and their needs first and all other aspects second.
  • Independent and Provider Agnostic, meaning no self-dealing. We are selecting what we believe to be the best underlying investments based on factors like cost, desired exposure, risk attributes, and more.

View the Retirement Brochure

*These include the BCM management fee, underlying ETF expenses, estimated trading costs, trustee and accounting fees. These do not include payments to advisors, brokers or other third party providers.

BCM’s Dynamic Approach: Combining Tactical and Strategic 

Our low-cost TDFs employ a unique kind of glide path. Using our background as investment advisors, we constructed these TDFs with a longer term view, just as a typical advisor would manage money. We don’t see value in reducing equity and increasing fixed income by a percentage point or two each year. Is this method meaningfully reducing risk?

Instead, we manage the strategic allocations within our TDFs over 10 year periods, or “steps”. Then, we incorporate tactical allocations in both equity and fixed income that can adjust on a short-term basis to changing market conditions, seeking to get defensive only when necessary. This allows us to keep assets invested longer, and still have the ability to get out of the way if a bear market occurs.

It’s simple. When markets are healthy, stay invested for growth. When the markets enter a correction or bear, try to preserve the majority of client assets by getting out of the way.

BCM DynamicBelay 2060 TDF

This portfolio has a diversified strategic allocation of 95% equity ETFs and 5% in fixed income ETFs.

A portion of the equity allocation is invested in a tactical process with the ability to go to cash in an equity bear market.

BCM DynamicBelay 2050 TDF

This portfolio has a diversified strategic allocation of 85% equity ETFs and 15% in fixed income ETFs.

A portion of both the equity and fixed income allocations are invested in a tactical process with the ability to go to cash in an equity or bond bear market.

BCM DynamicBelay 2040 TDF

This portfolio has a diversified strategic allocation of 70% equity ETFs and 30% in fixed income ETFs.

A portion of both the equity and fixed income allocations are invested in a tactical process with the ability to go to cash in an equity or bond bear market.

BCM DynamicBelay 2030 TDF

This portfolio has a diversified strategic allocation of 60% equity ETFs and 40% in fixed income ETFs.

A portion of both the equity and fixed income allocations are invested in a tactical process with the ability to go to cash in an equity or bond bear market.

BCM DynamicBelay 2020 TDF

This portfolio has a diversified strategic allocation of 50% equity ETFs and 50% in fixed income ETFs.

A portion of both the equity and fixed income allocations are invested in a tactical process with the ability to go to cash in an equity or bond bear market.

Want to know more about our glide paths? Click here to have a BCM consultant contact you.

Let Us Help You Build a Better 401(k) with BCM’s Independent Archite(k)ture Solutions.

We understand that no individual or business is the same. No retirement solution or plan should be built the same either! We also believe in the power of choice. We can provide fully-, semi-, or un-bundled solutions including taking on the 3(38) fiduciary liabilities.


Services Offered: 

  • 3(38) Services and Investment Lineup and Monitoring
  • BCM DynamicBelay® Target Date Funds (TDFs)
  • Third Party Administrator (TPA), Record Keeper and Platform Selection
  • Plan Investment Policy Statement
  • Custom Plan Design (includes managing defined benefit, profit sharing, cash balance or other)

How can we help? Ask yourself:

  • What role do you want to play in the management of your plans?
  • What aspects can BCM assist with or completely take over? You choose – looking for full support or an a la carte approach?

What makes you different in the eyes of your plan sponsors?

Help your clients keep calm when markets go through a period of failure with a new kind of TDF.

Dynamic Belay:

A mountaineering technique in which a guide helps to protect a climber from a long fall by adjusting the tension on a safety rope.

BCM QDIA Portfolios:

Portfolios that seek to dynamically adjust allocations to provide participation in healthy markets and to help avoid large market declines.