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Ocho vs Nabers
Ocho and Nabers both provide competitive solo 401k plans with premium features like Roth, rollovers, mega backdoor, and the ability to invest in any asset class.

How does Ocho compare with The Nabers Group Solo 401k?
Ocho and Nabers both provide competitive solo 401k plans with premium features like Roth, rollovers, mega backdoor, and the ability to invest in any asset class. The main differences between the two plans are the annual fee, user experience, and Ocho is an all-in-one platform with integrated bank and brokerage accounts directly built in, while you’ll have to find a third party bank and brokerage that will accept your Nabers Group Solo 401k plan. Ocho costs just $299/year for all solo 401k features, priority support, and unlimited investments into any asset class. Nabers Group Solo 401k costs $49/month or $588/year to create your plan documents and maintain your account for you. It’s still up to you to take the plan documents they give you to a third party bank and brokerage that will accept them.
The smoothest solo 401k experience
Ocho reimagined the solo 401k sign up experience. Instead of reading through and signing 50+ pages of paperwork by hand, you can sign up in under 10 minutes, and sign all of the required papers online through the app, with support anytime you need it.
Simple, transparent pricing
Ocho costs $299/year for all features, including integrated bank and brokerage platforms so you can make contributions and invest directly within the Ocho app. Nabers Group costs $49/month or $588/year to create your plan docs and maintain your account.
Integrated bank and brokerage platforms
With Ocho, you can set elections, make contributions, and even invest your solo 401k funds all directly through the Ocho app. You’ll have access to beautiful performance and transaction reports, all through an intuitive, user-friendly interface.
Features | Ocho Solo 401k | Nabers Solo 401k |
---|---|---|
Cost | $299/year | $588/year – ($49/month) |
Integrated bank account | Yes, open a bank account directly within the Ocho app. | No, find a third party bank that will open your solo 401k account. |
Integrated brokerage account | Yes, open a brokerage account directly within the Ocho app. | No, find a third party brokerage that will accept the Nabers Group solo 401k plan documents. |
Making investments | Directly from the Ocho app, with checkbook control. | With a third party brokerage, with checkbook control. |
Roth option | Yes | Yes |
Mega backdoor Roth | Yes | Yes |
Alternative investments | Yes | Yes |
Loans | No | Yes |
Checkbook control | Yes | Yes |
Rollovers | Yes | Yes |
Why business owners love the Ocho Solo 401k
Ocho is the smoothest solo 401k experience. Set up an account in under 10 minutes, and do everything you need through the Ocho app. Make contributions (up to $61,000), set your elections, invest your funds, and see your investment performance all without ever leaving Ocho.

The highest contribution limits
Contribute up to $61,000 for 2022 and $66,000 for 2023. In comparison, an IRA has a limit of $6,000 and a 401k has a limit of $20,500.
Up to $61,000 in Roth contributions
Make normal contributions up to $20,500 into your Roth solo 401k account, or use Ocho’s mega backdoor Roth feature and contribute 3x more, up to $61,000 for 2022.
A modern interface
Ocho has the best, most intuitive user experience you’ll ever have with opening and investing your solo 401k account. It takes just 10 minutes to open and setup your account.
Access to alternative assets
In additional to traditional assets like stocks, bonds, ETFs, and mutual funds, Ocho allows you to invest your retirement savings into any asset class, including alternative assets like real estate, crypto, NFTs, and private equity.


Integrated bank and brokerage platforms
Most solo 401k plan providers, including Nabers Group, only provide you with the solo 401k plan documents and perform maintenance duties for an annual fee. After you receive the plan documents, it’s up to you to find a third party bank and brokerage that will accept them. Ocho has integrated bank and brokerage accounts directly built in, allowing you to make contributions, and make investments without ever leaving the Ocho app.
Ocho is trusted and backed by the world’s top entrepreneurs, creators and money experts.
“The level of insight you get in terms of your money management is not something I’ve seen on any other apps I’ve used.”
3500
Early Stage Users

100+
Startup founders have invested in Ocho
$5M+
In preseed funding
Built by the team that built:
“The Ocho Solo 401k is a retirement plan so powerful and flexible that it feels like you’re getting access to a tax loophole.”

Elizabeth Yin
Cofounder, Hustle Fund
“Every business owner, creator, and self-employed person should have one. The benefits and tax savings each year are a no-brainer.”

Sebastian Fung
Owner, Ask Sebby
“Ocho built something I’ve wanted to exist for a long time – the modern solo 401k with all the best features and full admin support.”

Nate O’Brien
Investor & YouTuber
Transparent pricing with no AUM fees
Unlike other money managers, we charge zero fees on your money under management (AUM) and do not receive any kickbacks from any products we recommend.
All income levels and all business entities eligible
Any business owner, freelancer, creator, or even full-time employees with a side hustle can open a solo 401k. The only requirement is that you have no full-time W-2 employees that work over 1,000 hours in your business (excluding your spouse). There are no income limits – you’re eligible whether you make over $1M or operate a small side hustle.
One plan that fits all your needs.
The Ocho Solo 401k Plan Comes With
- Ownership of an Ocho Solo 401k Plan.
- A Roth solo 401k account
- Security & compliance monitoring.
- Personalized investment plan & recommendations.
- Support for a mega backdoor Roth conversion.
- A delightfully simple all-in-one investment platform.
- Full onboarding support and account administration assistance.
- Integrated bank & brokerage accounts (coming soon).
- Rollover support from other retirement plans that you already own.
- Access to any investment options, with full checkbook control (coming soon).