Every day we realize how technology has changed every part of our business and personal life. Technology has also improved investment management decisions. Especially in company 401(k) retirement plan accounts.
Most 401(k) participants do not have the time or the interest to understand their 401(k) mutual fund options. Family, friends, and career all come before those investment management decisions.
Investment advice technology analyzes the three elements of 401(k) investment management. This information summary helps improve investment management decisions and long-term investment returns.
The first level of 401(k) investment management is the current trend of the stock and bond markets. These trends have changed dramatically over the last few weeks. Interest rates are rising. Stocks are falling.
The evidence of these change in trends is easy to see using current technology. Recognition of trend changes helps preserve 401(k) principal. The last several years to stock and bond market investment gains are safe.
The second level of 401(k) investment management is the recognition of the best mutual funds to own. Each 401(k) retirement plan menu has large, mid, and small cap mutual fund sizes. Mutual funds are further classified into value, blend, and growth mutual fund styles.
The bond mutual fund 401(k) options are short, intermediate, and long-term mutual funds. Each duration of bond mutual fund carries a higher level of risk when interest rates rise.
Today’s investment management technology can provide the optimal combination of mutual fund diversification.
The third level of company 401(k) retirement plan investment management is “what to buy.” Owning the best 401(k) mutual funds available to you can add a huge amount of investment performance. over your working career.
Choosing which mutual funds to own where most 401(k) participants struggle. Investment management technology makes that process less difficult. It can be as easy as finding the white marble in a box of black marbles.
These are the levels of the investment management decisions required in your 401(k). Technology helps slow the process down. And makes it much easier to improve your 401(k) investment management decisions.
Ric Lager
Lager & Company, Inc.
There is no need to continue to guess with your 401(k) mutual funds. All you need is a second opinion. You deserve it.
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