The 401(k) built for today
The 401(k) built for today
A modern retirement benefit with more
A modern retirement benefit with more
The only 401(k) that gives every employee more investing power
The only 401(k) that gives every employee more investing power
We have pioneered a new way to build wealth that gives your team more investing power with every contribution. Learn more about how The Retirement Mortgage works
We have pioneered a new way to build wealth that gives your team more investing power with every contribution. Learn more about how The Retirement Mortgage works
More investing power
More investing power
Modern tools
Modern tools
Advanced plan features
Advanced plan features
+6,000 investment options
+6,000 investment options
Your employees are unique
Your employees are unique
Your retirement plan
shouldn’t be one-size-fits all
Your retirement plan
shouldn’t be one-size-fits all
Thousands of investment options
Thousands of investment options
Investment menu with more than 6,000 fund options from managers you know and trust.
Investment menu with more than 6,000 fund options from managers you know and trust.
Advanced plan features
Advanced plan features
A premium 401(k) with Mega Backdoor Roth and the flexibility top talent expects.
A premium 401(k) with Mega Backdoor Roth and the flexibility top talent expects.
Effortless payroll integration
Effortless payroll integration
Automated reconciliation with more than 200 payroll integrations.
Automated reconciliation with more than 200 payroll integrations.
Great businesses are built by investing in people
Great businesses are built by investing in people
Companies that switch to Basic Capital see results
2-3x
2-3x
2-3x
Increase in employee participation
Increase in employee participation
Increase in employee participation
1.5x
1.5x
1.5x
Average increase in savings rates
Average increase in savings rates
Average increase in savings rates
+50%
+50%
+50%
Projected savings at retirement*
Projected savings at retirement*
Projected savings at retirement*
*Assuming 30% allocation to the Retirement Mortgage
Eli Wachs
CEO/Founder, Footprint
We have a younger team, and for me, Basic Capital was what I would have wanted for a retirement plan.
Eli wanted a 401(k) aligned with his young, financially engaged team—with scalable pricing based on actual value creation, not excessive fees, giving employees more freedom and better protection in their retirement savings.
Eli Wachs
CEO/Founder, Footprint
We have a younger team, and for me, Basic Capital was what I would have wanted for a retirement plan.
Eli wanted a 401(k) aligned with his young, financially engaged team—with scalable pricing based on actual value creation, not excessive fees, giving employees more freedom and better protection in their retirement savings.
Eli Wachs
CEO/Founder, Footprint
We have a younger team, and for me, Basic Capital was what I would have wanted for a retirement plan.
Eli wanted a 401(k) aligned with his young, financially engaged team—with scalable pricing based on actual value creation, not excessive fees, giving employees more freedom and better protection in their retirement savings.
No more patchwork of vendors to manage
No more patchwork of vendors to manage
Basic Capital is a fully-bundled solution that saves you time and money.
Recordkeeping
Stay compliant with automated recordkeeping that handles the details while you focus on growing your business.
Third-party Administration & 3(16)
Outsource plan administration to experts who handle compliance, reporting, and regulatory requirements.
200 payroll integrations
Connect seamlessly with your existing payroll system—no manual data entry, no disruption to your workflow.
Optional 3(21) or 3(38) Plan Advisory
Add an extra layer of oversight with investment advisory services tailored to your plan.
Featured in
Featured in
Featured in
“[A]n idea for allowing everyday people to finance investments…”
“A mortgage on a house is a pretty standard product in the US, but a mortgage on a retirement account is not.”
“Basic Capital is helping workers build up their 401(k) retirement savings…”
“It is, essentially, a mortgage on your 401(k).”
“Basic Capital essentially wants to provide workers with a way to leverage appreciating assets, rather than just for depreciating assets like homes and cars.”
“[A]n idea for allowing everyday people to finance investments…”
“A mortgage on a house is a pretty standard product in the US, but a mortgage on a retirement account is not.”
“Basic Capital is helping workers build up their 401(k) retirement savings…”
“It is, essentially, a mortgage on your 401(k).”
“Basic Capital essentially wants to provide workers with a way to leverage appreciating assets, rather than just for depreciating assets like homes and cars.”
“[A]n idea for allowing everyday people to finance investments…”
“A mortgage on a house is a pretty standard product in the US, but a mortgage on a retirement account is not.”
“Basic Capital is helping workers build up their 401(k) retirement savings…”
“It is, essentially, a mortgage on your 401(k).”
“Basic Capital essentially wants to provide workers with a way to leverage appreciating assets, rather than just for depreciating assets like homes and cars.”