In a time of economic and stock market uncertainty.
Individual 401(k) investors need clarity.
To focus on the essential elements of 401(k) investing.
Automation tools, dashboards, target date mutual funds.
Each one makes promises to 401(k) investors.
Let’s strip away the distractions.
And focus on the only two moves that define your 401(k) destiny.
Here’s the truth to individual 401(k) investing:
There are only two real activities that matter:
1. Picking the best 401(k) mutual funds available
Guessing “what to buy” is the old way.
Today, you need a fiduciary-grade lens—one that’s:
• Independent of your employer’s plan sponsor (your company)
• Unaffiliated with your 401(k) provider (Schwab, Fidelity, Empower, etc.)
• Focused on 401(k) mutual fund performance and cost
Think Fantasy Football or March Madness.
Each fund in your 401(k) lineup gets ranked.
By annual expenses and historical returns.
The best mutual funds options in your 401(k) rise to the top.
No guesswork. Just clarity.
The best mutual funds in your 401(k) will be easy to identify.
2. Managing 401(k) stock market risk
The market drops. Your account dips.
What’s your move?
Set a 401(k) “stop loss.”
A dollar amount or percentage threshold.
When your 401(k) hits it, you act:
• Sell the weakest 401(k) mutual fund(s) you own
• Move proceeds to your 401(k) money market
• Wait for the next opportunity to buy better 401(k) mutual funds
No panic.
A disciplined, logical way to protect recent 401(k) stock market gains.
And personal and company-matching 401(k) contributions.
SUMMARY:
Select “what to buy” in your 401(k).
Protect stock market gains and annual contributions in your 401(k).
I help investors build clarity-driven 401(k)’s.
P.S. These two moves can completely change your 401(k) for the better.
