Most 401(k) investors don’t struggle because they’re “bad with money.”
They struggle because they’ve read and heard myths.
Subtle mutual fund industry?shaped myths that undermine their 401(k) decisions.
Let’s bust them wide open.
MYTH 1: “Target-date funds are always the safest choice.”
TRUTH: They’re convenient—not personalized.
Target-date funds assume your 401(k) investment goals.
Are like everyone else’s.
Your 401(k) mutual fund picks don’t need convenience.
They need personalization to your comfort level with stock market risk.
MYTH 2: “Set it and forget it” is a smart long-term 401(k) strategy.”
TRUTH: Forgetting is not a strategy.
Economies go through cycles.
Stock and bond market shift.
Your 401(k) mutual funds go in-and-out of favor.
Reviewing your mutual fund picks is an on-going responsibility.
MYTH 3: “Independent 401(k) investment advice is a luxury.”
TRUTH: It’s the only way to remove hidden agendas.
The job of your 401(k) provider—Schwab, Fidelity, Empower, etc.
Is to support the 401(k) plan.
Your company hired the lowest-cost 401(k) provider.
Independent, third?party fiduciary 401(k) investment advice.
It’s the cleanest path to your best mutual fund picks.
If you’re done guessing with your 401(k), I can help you take control.
Let’s connect and I can give your 401(k) a second opinion.
P.S. Take a look to find out if your 401(k) mutual funds are the best available.
