The 401(k) built for today
The 401(k) built for today
The 401(k) built for today
The 401(k) built for today
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 employees more investing power
The only 401(k) that gives employees 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
Your retirement plan shouldn’t be one-size-fits all
Your retirement plan shouldn’t be one-size-fits all
Benefits designed to provide a seamless, secure, and accessible experience for all users.
![Image](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 64 64" xmlns="http://www.w3.org/2000/svg"><path d="M 5.999 56 L 1.999 56 L 1.999 32 L 5.999 32 Z M 17.999 56 L 13.999 56 L 13.999 44 L 17.999 44 Z M 29.999 56 L 25.999 56 L 25.999 28 L 29.999 28 Z M 41.999 56 L 37.999 56 L 37.999 36 L 41.999 36 Z M 53.999 56 L 49.999 56 L 49.999 24 L 53.999 24 Z M 51.999 0 C 54.208 0 55.999 1.791 55.999 4 C 55.999 6.209 54.208 8 51.999 8 C 51.644 8 51.303 7.938 50.975 7.852 L 43.851 14.976 C 43.939 15.304 44 15.644 44 16 C 44 18.209 42.209 20 40 20 C 37.791 20 36 18.209 36 16 C 36 15.914 36.02 15.836 36.023 15.754 L 29.759 11.576 C 29.213 11.852 28.61 11.997 27.999 12 C 27.839 12 27.689 11.972 27.536 11.952 L 19.677 22.428 C 20.4 24.121 19.875 26.088 18.405 27.196 C 17.193 28.107 15.571 28.254 14.214 27.578 C 12.858 26.901 12 25.516 11.999 24 C 12.003 23.654 12.053 23.31 12.146 22.976 L 5.02 15.852 C 4.688 15.946 4.345 15.996 4 16 C 2.382 15.999 0.924 15.025 0.305 13.531 C -0.314 12.037 0.027 10.317 1.17 9.172 C 2.314 8.028 4.035 7.686 5.53 8.305 C 7.025 8.924 8 10.382 8.001 12 C 8.001 12.356 7.938 12.694 7.852 13.024 L 14.976 20.148 C 15.309 20.054 15.653 20.004 16 20 C 16.16 20 16.31 20.028 16.463 20.046 L 24.319 9.57 C 23.683 8.077 24.012 6.348 25.151 5.193 C 26.29 4.038 28.015 3.686 29.516 4.301 C 31.017 4.916 31.998 6.378 31.999 8 C 31.999 8.086 31.979 8.164 31.973 8.246 L 38.239 12.424 C 38.785 12.148 39.387 12.003 39.999 12 C 40.345 12.005 40.689 12.055 41.023 12.148 L 48.147 5.024 C 48.053 4.691 48.004 4.346 48 4 C 48 1.791 49.791 0 52 0 Z" fill="rgb(255, 255, 255)" height="56px" id="fq4dVk1ws" transform="translate(4 4)" width="55.99884962495529px"/></svg>)
Thousands of investment options
Investment menu with more than 6,000 fund options from managers you know and trust.
Thousands of investment options
Investment menu with more than 6,000 fund options from managers you know and trust.
Thousands of investment options
Investment menu with more than 6,000 fund options from managers you know and trust.
![Image](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 64 64" xmlns="http://www.w3.org/2000/svg"><path d="M 43.568 0 L 57.137 18.09 L 28.568 51.054 L 0 18.09 L 13.568 0 Z M 39.965 20 L 32.455 40.462 L 50.187 20 Z M 6.948 20 L 24.681 40.46 L 17.17 20 L 6.949 20 Z M 21.433 20 L 28.566 39.442 L 35.704 20 Z M 15.568 4 L 6.568 16 L 17.46 16 L 24.96 4 Z M 22.178 16 L 34.96 16 L 28.568 5.774 Z M 32.177 4 L 39.677 16 L 50.568 16 L 41.568 4 Z" fill="rgb(255, 255, 255)" height="51.054px" id="bzWwvFPwH" transform="translate(3 6)" width="57.137px"/></svg>)
Advanced plan features
A premium 401(k) with Mega Backdoor Roth and the flexibility top talent expects.
Advanced plan features
A premium 401(k) with Mega Backdoor Roth and the flexibility top talent expects.
Advanced plan features
A premium 401(k) with Mega Backdoor Roth and the flexibility top talent expects.
![Image](data:image/svg+xml,<svg display="block" role="presentation" viewBox="0 0 64 64" xmlns="http://www.w3.org/2000/svg"><path d="M 19.162 49.998 L 26.344 49.998 L 23.174 46.828 L 26.002 44.002 L 34.002 52 L 26.002 60 L 23.174 57.17 L 26.346 53.998 L 18 53.998 C 17.288 53.989 16.636 53.599 16.292 52.976 L 8.264 38.992 L 11.738 37.006 Z M 36.832 2.828 L 33.662 5.998 L 42 5.998 C 42.732 5.998 43.406 6.399 43.756 7.042 L 53.062 24.102 C 53.372 24.046 53.685 24.015 54 24.008 C 57.314 24.008 60 26.694 60 30.008 C 60 33.322 57.314 36.008 54 36.008 C 53.683 36.002 53.366 35.969 53.054 35.912 L 43.756 52.956 C 43.405 53.597 42.732 53.996 42.001 53.996 C 41.27 53.996 40.597 53.597 40.246 52.956 L 18 12.176 L 12.01 23.156 L 8.546 21.156 L 16.246 7.042 C 16.506 6.566 16.949 6.216 17.472 6.072 C 17.996 5.928 18.555 6.003 19.022 6.28 C 19.331 6.464 19.584 6.727 19.756 7.042 L 42 47.822 L 49.546 33.992 C 48.554 32.902 48.003 31.482 48 30.008 C 48.004 28.531 48.557 27.109 49.55 26.016 L 40.812 9.998 L 33.66 9.998 L 36.83 13.168 L 34 15.996 L 26.004 8 L 34 0 Z M 6 24 C 9.31 24 12 26.69 12 30 C 12 33.308 9.308 36 6 36 C 2.692 36 0 33.31 0 30 C 0 26.69 2.69 24 6 24 Z M 6.002 27.998 C 5.194 27.998 4.464 28.484 4.153 29.23 C 3.843 29.977 4.013 30.837 4.584 31.41 C 5.365 32.192 6.631 32.193 7.414 31.413 C 7.986 30.841 8.158 29.981 7.849 29.234 C 7.54 28.486 6.811 27.999 6.002 27.998 Z" fill="rgb(255, 255, 255)" height="60.00000051879882px" id="P2TgZY75e" transform="translate(2 2)" width="59.99999952697754px"/></svg>)
Effortless payroll integration
Automated reconciliation with more than 200 payroll integrations.
Effortless payroll integration
Automated reconciliation with more than 200 payroll integrations.
Effortless payroll integration
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
1.5x
1.5x
1.5x
Average increase in contribution rates
+50%
+50%
+50%
Projected retirement balance*
*Assuming 30% allocation to the Retirement Mortgage
This isn't your standard 401(k).
Meet the 401(k) that actually gets your team retirement ready.
This isn't your standard 401(k).
Meet the 401(k) that actually gets your team retirement ready.
This isn't your standard 401(k).
Meet the 401(k) that actually gets your team retirement ready.
See why companies choose Basic Capital
See why companies choose Basic Capital
Hear why companies across industuries are changing the way they 401(k).
"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
1/3
"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
1/3
"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
1/3
"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
1/3
People notice when 401(k)s start working differently
People notice when 401(k)s start working differently
Basic Capital has been covered by publications shaping the financial conversation.
