The Self-Directed Brokerage 401(k)

The Self-Directed Brokerage 401(k)

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...

401(k) cash is the new king

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)...

Tail risk in 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...

It’s time for a 401(k) yard sale

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...