We know your time is valuable. That’s why we put 10 years of sophisticated research, timely data, and actionable intelligence into a single page. The “Risk Report” is what you get when you sign up for Safer 401(k). It’s a downloadable PDF document that we update every weeknight showing your recommended S&P 500 allocation, current Recession Risk, and a number of other performance metrics.

Your Risk Report is specifically tailored to your chosen Risk Profile, which you select when you sign up (but which you can change at any time). So here’s what you get in a Risk Report, and what to do with it.

Reading the Report

Click this link to see a sample report: Risk Report

The first and most important element of the Risk Report is Your Allocation.

Your Allocation is how much of your portfolio, according to your Risk Profile, ought to be in the S&P 500 Index. We recommend that you rebalance your portfolio to this number once a month (and we’ll send an email to remind you).

Is the current Your Allocation number different from your actual S&P 500 Index allocation? Don’t worry about it. Your Allocation changes every day, but we don’t recommend actually rebalancing your portfolio every day! Once a month will do just fine — don’t stress yourself out!

That’s it! That’s literally all you need to know to use Safer 401(k). And it just takes a couple minutes of your time every month!

Of course, you could also look at the other information. First among which are two 10-year charts — one of the S&P 500 Index itself and one of the Recession Risk of the S&P 500.

Historically, Recession Risk has been anywhere from 0% to 40%. The higher it is, the more risk there is that the market will start going down (or keep going down!). This metric plays a large role what Your Allocation is at any given time.

Finally, we have the Performance section, which tells you what your portfolio would look like if you faithfully rebalanced your portfolio to Your Allocation on the last trading day of every month.

For reference, it shows the performance of your Risk Profile charted next to a hypothetical 100% S&P 500 allocation.


Even though the past never completely predicts future performance, this is meant to give you a baseline for what to expect. What sort of returns can you expect, given your Risk Profile? Are you happy with that? Should you take on more or less risk?

The table on the bottom-left directly compare your Risk Profile’s returns to the S&P 500 over a number of time periods. The table on the bottom-right demonstrates what your allocation would have been at different times in the past year, how that affected the hypothetical $10,000 portfolio, and what that means in terms of historical month-to-month gains.

If you’re following our recommendations for Your Allocation, your performance should look a lot like that table on the bottom-right.

That’s it!

You’re investing because it’s the best thing for yourself and your family — not so you can pore over spreadsheets for hours. All you have to do is choose your Risk Profile, glance at the Safer 401(k) Risk Report, and stay vigilant by rebalancing your portfolio to Your Allocation.

The rest will take care of itself.

Want to learn more about the performance of these portfolios? See our performance profiles, normal and plus leverage.

Still not a subscriber? Sign up for a month and see what it’s all about.