
FAQ
StraightLine has none of the biases or potential conflicts of interest these connections create as we are independent of all fees and investment revenue generated within a plan. All of StraightLine’s investment decisions are solely in your best interest and not for the benefit of ourselves, any plan provider or mutual fund.
We are not market timers. In fact, we feel that frequent trading in an account can sometimes be detrimental. Sometimes market trends need to evolve over longer periods of time than many programs allow, thus minimizing the positive impacts in an investor’s portfolio.
The following is a summary of the five different allocation models we have created for your General Motors Health Savings Account. Depending on your risk tolerance, you should select one of these allocations for your account. It’s important to note that we do not recommend switching between the different allocations unless there has been a fundamental change in your risk tolerance or retirement goals. Often we find that those who try to time the markets end up hurting their account in the long run. Once you have determined the appropriate model for you and your situation please click here to view the allocations.
Conservative Allocation (20% Equity/80% Fixed Income)
This is the most conservative allocation and is intended for anyone whose primary goal is to preserve capital. This allocation will invest primarily in fixed income funds, while at the same time keeping a small allocation in equities, to boost potential returns.
Moderately Conservative Allocation (40% Equity/60% Fixed Income)
This allocation is for those people who are conservative but still want some amount of exposure to equity markets. This allocation allows for a more broad equity exposure while still maintaining a majority fixed income allocation.
Balanced Allocation (60% Equity/40% Fixed Income)
This is a moderate allocation, for those people that fall somewhere in between being conservative and aggressive. This allocation provides broad exposure to both equities and fixed income. Over longer periods of time it could provide better returns than the two more conservative allocations, with less volatility than the two growth allocations.
Moderate Growth Allocation (80% Equity/20% Fixed Income)
This more aggressive allocation is for those who seek potentially higher long-term returns, but are willing to also accept higher volatility in their account. This allocation keeps a small percentage in fixed income so that it may help stabilize the overall portfolio.
Aggressive Growth Allocation (100% Equity)
This is the most aggressive of our allocations and is 100% invested in equity markets. This allocation is for those people whose goal is to have potential high growth in their accounts, understanding that during down markets it may fall quite a bit. This is the most volatile of the allocations and has the greatest potential for extreme negative or positive returns.

Learn how StraightLine can be of service to you
Let us help you establish your organization as a leader in providing for the financial security of your employees. StraightLine also provides professional account management for individuals with 401(k), 403(b) and 457 retirement accounts. We manage the account for you – making changes to allocations as needed. We also offer an advice-only management option. Please let us know your needs and we’ll get right back to you and provide you with “straight” answers to your questions.
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