I sat down earlier this week with an individual company 401(k) participant. Male, 59 years old, current 401(k) account value over $1.2 million. After the usual chit chat ended, I asked about his 401(k) investment management objectives. A strategy for the preservation...
The cost of inaction can do great harm to a 401(k). The required investment management decisions are opportunity costs. The core of these decisions are annual fees and maximized investment performance. Mutual fund selection in your company 401(k) account is always a...
I have provided investment advice to individual 401(k) plan participants for 24 years. I know the following fact about individual 401(k) investor behavior to be true. Individual investors rarely get upset. With 401(k) principal losses within their acceptable range....
When choosing the 401(k) mutual funds you own. Nobody sets out to make a poor investment management decision. Too often, that is exactly what happens. It comes as no surprise that individual 401(k) investors are their worst enemies. There are many reasons. Let me...
Even small 401(k) investment management hurdles can seem like insurmountable obstacles. There are only so many hours in a day. Individual 401(k) participants have too many other issues to deal with. You may have received bad 401(k)advice in the past or received no...
It is crazy to me. Individual investors who surprised by their 401(k) account losses over the last few weeks. They pay no attention in their “buy-and-hold” world. They delay any logical and disciplined investment management decision. When their 401(k) account balances...