Truth: You can offload investment responsibilities and risks to save you time, money and energy. There is no need to be or become an investment expert. The truth is that you don't have to spend a lot of time making complicated and sometimes risky investment decisions when managing your 401(k) plan fund roster. Rather, providers like ShareBuilder 401k have an investment committee of financial experts that monitor and manage the investment roster from which you and your employees select. This helps ensure a high-quality**, retirement appropriate fund menu for your company in line with regulations. Choosing a 401(k) plan that is overseen by an investment advisor – an ERISA 3(38) financial advisor to be exact – transfers the investment management duties, responsibilities, risk, and work off of you and to the plan provider. Many providers don't offer this service, so choose one that does.