• The Saturna Advantage
• Retirement Calculators
• Individual Retirement Accounts
• Traditional IRA
• Roth IRA
• Converting To A Roth IRA
• 401(k) Plans
• Account Login
• General Guidelines
• Plan Services
• Fee Schedule
• Setting Up Your 401(k)
• Employer Plans
• SEP IRAs
• SIMPLE IRAs
• Rollovers & Transfers
• Withdrawal Exemptions
• Prohibited Transactions

401(k) Brochures & Forms:

• 401(k) Employer Brochure
• 401(k) Benefits Summary
• Plan Transfer Form

Employee Brochures & Forms:

• 401(k) Employee Brochure
• 401(k) Basics One Sheet
• Wage Deferral Agreement
• Beneficiary Designation Form
• Investment Election Form
• Loan Application
• Hardship Withdrawal Request
• Distribution Form
• Special Tax Notice

Adding The Sextant Funds To Your 401(k) Plan

The Sextant Funds are available through a number of retirement plan providers. We offer the following suggestions to assist you in your efforts to help make the Sextant Funds available in your current 401(k) plan. While we cannot guarantee success, the suggestions below will help give you the best chance of adding Sextant to your plan’s investment options.

• Contact Your Plan Administrator
  Plan administrators (often times your company's benefits coordinator or human resources officer) are the gatekeepers of your employer’s 401(k) plan. A plan administrator will be able to find out whether the Sextant Funds are available through your employer’s retirement plan provider. If available, the plan administrator will be able to furnish the company procedures for suggesting the addition of new funds to the current investment selection.
• Consider The Brokerage Option
  Many plans offer the ability to invest in common stocks and other securities through a brokerage window. Often the Sextant Funds will be available through this channel. The downside is that even though the Sextant Funds are no-load (which means that we do not charge commissions), purchases and sales of shares of the Funds will most likely be subject to commissions charged by the brokerage firms providing the access.
• Be Mindful Of The Plan's Fiduciary Obligations
  Plan sponsors (i.e., employers) have to consider a wide variety of issues when constructing a plan's investment choices. Investment performance, balanced asset options, government obligations, investment fees, and other plan costs, must all be considered by administrators.
  
• Be Patient
  Large companies can take years to change their plans. When they do, stay top of mind by providing the plan administrator with relevant information on the Funds.
• Consider An IRA
  If your plan administrator is unable to add the Sextant Funds to your plan, consider investing in the Sextant Funds through a Saturna Capital IRA instead of participating in the company's 401(k) Plan.

We Can Help

Saturna Capital and the Sextant Funds are happy to provide more information to Plan Administrators: performance history, investment philosophy, our screening process, manager bios and history — much of which is already contained on this website.