Your household 401(k) strategy is often overlooked.
Most couples never sit down and look at all their 401(k)s together.
Old 401(k)’s, current 401(k)’s—yours and your partner’s.
No one ever taught you how to evaluate a 401(k) mutual fund menu.
With confidence to pick the best available mutual fund options.
Every 401(k) mutual fund lineup has high?cost, underperforming funds.
The difference between choosing well and choosing blindly can be six figures.
With couples, the investment performance can be staggering.
The key is knowing what to look for in each 401(k) mutual fund menu.
So you can choose the best possible mutual funds available to your household.
A strong review usually includes:
• Annual fees and expense ratios — what you’re paying.
• Investment performance — what you’re getting.
• Duplication — where you’re doubling up the same stocks.
Here’s the truth you need to know:
Most 401(k)s only have three or four good mutual funds.
Not the whole menu.
A handful.
The real individual 401(k) investment management skill.
Is keeping those few high?quality funds in your household’s 401(k) accounts.
And sometimes, one partner’s 401(k) has a hidden advantage:
The 401(k) SDBA (self?directed brokerage account).
The SDBA is a brokerage account inside your existing 401(k).
Opens the door to more mutual funds, ETFs, and individual stocks.
That are cheaper, better, and more flexible than the default 401(k) lineup.
The 401(k) SDBA option can solve the bad 401(k) mutual fund problem.
For one or both household members.
Would a household 401(k) review be worth 10 minutes of your time?
Let’s connect and share the details.
P.S. I’ve never reviewed two household 401(k)s that didn’t have clear problems.
