Are You Making a Boeing-size Mistake in Your 401(k)?


It was reported by Paul Merriman at MarketWatch last week that Boeing employees left $98 million on the table in 2013. The reason is that Boeing employees did not take full advantage of the company 401(k) match funds contributions. The article … [Continue reading]

401(k) Diversification is Difficult and Expensive


Regardless of your level of investment management sophistication, I am willing to be that you have heard or read about the concept of diversification. Even the poor quality of the resources on your company 401(k) retirement plan web site provides … [Continue reading]

Three Kinds of 401(k) Mutual Funds

3 Pillars

If you work at a Minnesota company, you need to understand the three main types of mutual funds available in your company 401(k) retirement plan. The three main types of mutual funds are target-date mutual funds, actively managed mutual funds and … [Continue reading]

Make Index Funds Part of Your 401(k) Strategy


I received an e-mail last week from a Minnesota company 401(k) retirement plan advice client. His company 401(k) retirement plan menu was recently changed. The new menu lists several index mutual fund options. Index mutual funds can be great … [Continue reading]

Save Your Favorite Millennial…and Their Minnesota Company 401(k)


I recently found an article that perfectly matches my experience advising individual Minnesota company 401(k) retirement plan participants. Many of my long-time clients have referred me to their adult children. A recent article in The Fiscal Times … [Continue reading]

Fiduciary versus Suitability

money maze

I read the Barry Ritholtz column in The Washington Post as often as I can. He does a really good job of making complex investment topics easy to understand. His October 25th column on “Find a financial adviser who will put your interests first” is … [Continue reading]

A Guide to Your 401(k) Fees

401(k) jar

A complete understanding of annual company 401(k) fees and expenses is a very important part of your investment management strategy. It is one of the first things I discuss with my individual company 401(k) investment advice prospects. My company … [Continue reading]

In Memory of the Last Great Stock Market Decline


Buy-and-hold investing is a relevant option for all individual investors. But you have to be very aware of the risk involved in that investment management strategy. The last great stock market decline was from the July of 2008 to March 2009. Many … [Continue reading]

It’s Time to Understand Your 401(k) Investment Risk


Company 401(k) retirement plan providers are not required to disclose information to individual company 401(k) retirement plan participants on many different levels. Nowhere is that more evident than when investment performance numbers are reported … [Continue reading]