It would be a cold telephone call. Or an e-mail sent to your work e-mail address. If I were feeling bold, I would send you a video message on your cell phone. I would tell you that I am reaching out to you about your 401(k) account. Here is what you would respond. “I...
Since 2008, investment management experts have predicted the death of the “balanced” portfolio. I am speaking of 60% invested in stocks. And 40% invested in bonds. It turns out 2022 was a close repeat of 2008. When 401(k) investors needed “diversification” and “asset...
I have been providing investment advice to 401(k) investors for over 36 years. I know the most important investment management function I provide for my clients. The economic, interest rate, and stock market risk levels changed over the last few months. My 401(k)...
It is that time of year again. Individuals finding time in late December to set resolutions for the New Year. At least one of those New Year’s Resolutions should be to manage your investments better in 2022.Plain and simple, a resolution is a promise that you make to...
I have been providing investment advice to individual investors for over 37 years. Over that time, I have learned one of the most important aspects of my job.Economic, political, interest rate, and stock market risk levels change. Vigilance is necessary now to best...
Have you ever noticed that your company 401(k) retirement plan does not provide guidance on how to manage it? That fact leads individual 401(k) participants guessing at “what to buy?” All the mutual funds on your default company 401(k) menu have done well over the...
