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...
Today’s stock and bond market climate is unusual. Both volatile. With an added touch of out of control inflation. A “buy-and-hold” or “set-it-and-forget-it” 401(k) investment management strategy no longer applies. In fact, it is dangerous to your 401(k)...
A big part of my 401(k) investment advice practice is dealing with stock market risk. Specifically, tail risk. What is tail risk? Look at the graphic I have included in this post. The red line is a bell curve. When looking at all stock market scenarios, they are...
The self-directed 401(k) account helps avoid the poor mutual funds that populate most 401(k) menus. Go online or call your current company 401(k) retirement plan provider. Find out if you have a self-directed brokerage account (SDBA) option available. This “brokerage...
Spring means spring cleaning. And spring-cleaning means yard sales. There has to be someone who thinks the junk you own is actually worth something, right? This Spring there is much more cleaning to be done than just closets and garages. There is very likely some...
I have been providing investment advice to individual investors for over 36 years. Over that time, I have learned one of the most important investment management functions I provide for my clients. The economic, political, interest rate, and stock market risk levels...
