401(k) investors don’t actively choose their mutual funds.
Your employer selects a 401(k) provider.
The provider builds the default mutual fund menu.
You enroll, accept the defaults, and move on with life.
The mutual funds are already there.
The provider is labeled “low-cost.”
Your 401(k) account grows when the stock markets rise.
It’s easy to assume the hard 401(k) work has been done for you.
How do you find the best mutual funds in your 401(k)?
Without checking the evidence, you’re relying on someone else.
Your employer.
Your 401(k) provider.
The problem with owning the wrong 401(k) mutual funds.
Shows up in the “Cost of the Problem.”
The 401(k) dollars you don’t capture when stock markets rise.
The 401(k) losses you absorb when stock markets fall.
You own lagging mutual funds on the way up.
You own leading mutual funds on the way down.
As a result of your 401(k) mutual fund picks.
Selected on lack of investment performance evidence.
The evidence of stock market benchmark comparisons.
The evidence of low annual costs.
The evidence of recent investment performance.
The evidence of stock market benchmark comparisons.
Own 401(k) mutual funds that stands up to evidence.
Interested in the current rankings of your 401(k) mutual funds?
Let’s connect and I can share your details.
P.S. Evidence brings clarity to each 401(k) mutual fund pick.
