I have provided investment advice to self-directed 401(k) investors since July 1999. Most 401(k) participants do not know about self-directed 401(k) accounts. That fact has always been a mystery to me. Most individual investors have a traditional view of their company...
Every 401(k) retirement plan offers a default mutual fund menu. The mutual funds selected by your employer and plan administrator. The menu of mutual funds limits the fiduciary liability issues for both parties. Individual 401(k) participants may also have a...
Your company 401(k) is one of the best ways to save for a happy retirement. But 401(k)s are not the only game in town when it comes to retirement planning. A health savings account (HSA) offers tax savings on medical expenses. But you can make investment decisions in...
As usual, I had SiriusXM radio blaring away at around 5:30 AM in the morning. In my car on the way to my morning workout. It is a good thing I do not have neighbors close to my driveway. The rabbits do not mind the noise that time of morning. If I continue to let them...
The S&P 500 is down 19% so far this year. And the stock markets may have much further to fall. And the summer rally has died. The stock markets are down 10% over the last month. Stock market investors have become bearish. The aggressive Federal Reserve monetary...
If a target date mutual fund was your favorite sports team. They would miss the playoffs this season. In the last few weeks, lawyers filed six separate suits against 401(k) sponsors. Each of these lawsuits charged the BlackRock target-date funds with deficient...