The financial media world is full of fake experts. Anyone and everyone who can afford to buy airtime on TV, send a free e-mail, or pay for an online quote has the best idea ever for your investments.
The only real experts are the independent investment advisors who can provide you with an independent, third-party, fiduciary-level of investment advice.
You will never get useful and timely investment advice from your company 401(k) retirement plan sponsor. The same thing can be said for the companies that provide your mutual fund menu.
You very likely own expensive, and poor-performing mutual funds in your company 401(k) retirement plan account now. It’s not your fault; you don’t have the time, expertise, or inclination to spend enough time to improve your investment management decisions.
A company 401(k) retirement plan investment advice expert can easily rank your current menu of company 401(k) retirement plan mutual funds. Investment performance and annual expenses “jump off the page” if you know where to look.
Better investment performance at the lowest possible annual costs is a successful company 401(k) retirement plan investment management strategy that is now available to all individual investors.
I have been in the investment advice business for over 34 years. I have specialized in providing investment advice to individual company 401(k) retirement plan participants for the last 21 years.
Company 401(k) retirement plan menus have very similar patterns. Schwab, Fidelity, Vanguard, etc., have different mutual fund names. But the concepts and choices are similar.
In less than ten minutes, you can have a complete understanding of “what to buy” on your company 401(k) retirement plan menu. Even more important now, is an understanding of which mutual funds to avoid and why to avoid them.
Ric Lager
Lager & Company, Inc.
