Around Earnings

AI-Powered Fund Insights for 401(k)

AI-Powered Fund Insights for Smarter 401(k), IRA, HSA & ETF Investing

Most people never choose the funds in their retirement plan. An employer picks a default, money goes in every month, and it sits there for decades. About 64% of participants never change it.

The problem isn't saving. It's what the money is invested in once it arrives. Around Earnings is an AI platform that picks the right funds in the accounts you already have — your current 401(k), old ones from past jobs, IRA, HSA, 403(b), 529 and brokerage. It scores every fund your plan offers and tells you how to split between growth and stability, based on where the market is right now.

Three steps

1. Enter your funds. Works with any plan. You type in the funds your plan offers — no login, no linking, no account connection.
2. Get fund scores. Every fund gets one clear score and a plain-English verdict, based on cost, quality and momentum.
3. Follow alerts. You get a growth-to-stable split matched to the market cycle, and a notification when your mix drifts. You place the trade yourself. Two minutes.

What you get Fund screening — performance, fees and risk compared across your options, so strong low-fee funds surface instead of hiding in a list of thirty AI-driven balance — an allocation that shifts as the market cycle turns Alerts — rebalancing notices, market shift warnings, quarterly reviews Library — 50+ videos, articles and guides

Your account stays yours

Around Earnings never touches your account. No credentials. No access. No transfers. It analyzes the fund list you give it and returns a recommendation — you decide whether to act, and you make every trade yourself. Diversified mutual funds and ETFs. Not individual stocks. Set it. Score it. Stay on track.

Disclaimer: Not a registered investment adviser. Past performance is not indicative of future results. All investing involves risk, including possible loss of principal.