Safety first in your 401(k)
I talk with several individual 401(k) participants each day. I have a growing concern that few are prepared for the potential risk of principal loss. The last 13 years has lulled many 401(k) investors into a false sense of continual optimism. Stocks and bonds have...
Your 401(k) is too complex
When it comes to 401(k) investing, it is always best to keep it simple. That is my main message to all individual 401(k) investors. Mutual funds should make life simple. Many popular 401(k) mutual funds were founded in the 1920’s and 1930’s. For smaller investors who...
Useless 401(k) information
I am tired of useless information provided to individual 401(k) participants. There is only so much attention span available. To anyone at any time. How can a 401(k) investor decide what information is helpful? To improve his or her mutual fund investment management...
The Role of a 401(k) Investment Advisor
Individual 401(k) investors are unfamiliar with fiduciary investment advisors. Independent, third-party investment advisors can provide investment advice to 401(k) participants. Investment advisors affiliated with a company retirement plan provider cannot provide...
