Frequently Asked Questions


Strength and Security

401(k) questions from employers

401(k) questions from employees

OctaveWealth Target-Risk investment models


These FAQs were prepared to support the marketing of OctaveWealth’s 401(k) administration and investment management services. The content is intended as a guide and not as specific tax advice, for which you are advised to consult your tax advisor.

All content is subject to change. Whilst the information is believed to be accurate and reliable, Quillu Inc. specifically disclaim all warranties, express, implied or statutory, regarding the accuracy, timeliness, and/or completeness of the information contained herein.


  1. $100,000 cost of compounding employee-fees is based on: 0.25% management fee; 7% rate of return for plan investments; $18,000 annual contribution and a 30 year horizon. This is a conservative estimate; it assumes the lowest management fee in the industry and does not increase plan contributions in line with inflation. 2