Change Your 401(k) Story


Many individual investors choose not to pay any attention to their company 401(k) retirement plan accounts.  There is a stunning lack of attention to the largest part of their retirement savings. The most common excuse is that “I am terrible at investing.”

I don’t believe for one second that the majority of individual investors share those sentiments. Given the right resources individual investors would welcome the opportunity to dramatically improve the preservation and growth of their company 401(k) retirement plan account.

“I am terrible at investing” becomes a self-fulfilling prophecy. The mind set is easy to fall in to because the majority of individual investors lack confidence in their company 401(k) retirement plan investment management decisions.

A small group of company employees get together after work. The topic of complaints turns to the menu of options in the company 401(k) retirement plan. The group decides that nobody can figure out the company 401(k) plan. So it is no big deal that I can’t figure it out either.

My company 401(k) retirement plan advice clients are at the top of their profession. They make tough decision on behalf of their companies and their clients all the time. If you are reading this LinkedIn blog you were in the middle of a successful working career.

There is technology available today to rank of all your company 401(k) retirement plan menu options. These rankings are completely independent from your company 401(k) retirement plan sponsor and your company 401(k) retirement plan provider. The ranking tools do not have transaction fees, annual fees, or management fees.

It is very easy to improve your company 401(k) retirement plan investment performance when you clearly see how your menu of options is independently ranked.

There is also the technology available to alert you to changes in the stock and bond market risk levels. When a stock or bond mutual fund that you currently own begins to lag, you are alerted immediately. You can then make changes based on how much investment risk you want to take.

More and more independent investment advisors are adding company 401(k) retirement plan advice services to their client investment advice relationships. It is now easier than ever to permanently change your company 401(k) retirement plan story.

There is no need to suffer through the next great stock market decline or interest rate rise. All that is required is a change in your thinking.

There are technology tools available to improve your company 401(k) retirement plan investment performance. And you don’t have to be an investment expert.  You just have to find access to one.

Ric Lager
Lager & Company, Inc.

Share and Enjoy

  • LinkedIn
  • Google Plus
  • Facebook
  • Twitter
  • Add to favorites
  • Email
  • RSS

The Woman and the Advisor Track Record


My office phone rang one day last week.  On the other end of the line was a woman who is a back door neighbor to a client of mine. The woman had recently sold a business that her late husband had left her.  She had several million dollars to … [Continue reading]

Now is the time for an interest rate and 401(k) bond mutual fund lesson


When I talk to individual Minnesota company 401(k) retirement plan participants, I often find a good understanding of how the stock market is doing. Unfortunately, those same individual investors have no clue about the status of world interest … [Continue reading]

Don’t pay high 401(k) fees for bad investment performance


The default mutual funds on your company 401(k) retirement plan menu are not the best available mutual funds. Instead, this group of mutual funds has been provided to you as a result of negotiation between your company 401(k) retirement plan sponsor … [Continue reading]

It’s time for your 401(k) stress test


The Mayo Clinic web site states that a stress test gathers information about how your heart works during physical activity. Exercise makes your heart pump harder and faster than usual. That exercise stress can reveal problems within your heart that … [Continue reading]

Use Technology to Manage the 3 Levels of Your 401(k)

guy with three directions

Sophisticated readers of blogs realize that technology has affected every part of their business and personal life. Technology has also improved how investment management decisions are made in a company 401(k) retirement plan account. Most … [Continue reading]

The Financial Media Can’t Help Your 401(k)

pie chart macro

CNBC has been around since April 1989.  Bloomberg Television launched in January 1994. Neither one of these cable business news giants can help you preserve and grow your individual company 401(k) retirement plan account. Television media … [Continue reading]

It’s Time to Spring Clean Your 401(k)


It is supposed to be spring. I know that is because I saw the note stating Spring Equinox on my desk calendar on March 20th. The weather in most parts of the country has not cooperated with the planned change in seasons. You would not think that … [Continue reading]

Beware of Your 401(k) Mutual Fund Risk

RISK blocks

Over my 30 years as a Minnesota investment advisor, I have sat down in front of hundreds of individual investors. By far, the biggest misconception is the belief that mutual fund managers will protect their mutual fund shareholders from stock and … [Continue reading]