The biggest threat to your 401(k) isn’t stock market volatility.
It’s the mutual funds you already own.
And the 401(k) losses compound when you stand still.
Chances are, you’re holding some of the wrong mutual funds in your 401(k).
Not all of them.
But enough to matter.
These funds fail you in both directions.
When the market rises, they don’t capture the full upside.
When the market falls, they drop faster than the broader market.
This combination erodes your 401(k) principal.
A long-term sabotage to your 401(k).
No one has ever sat you down.
And shown you the “cost of this problem” in real 401(k) dollars.
Actual money you don’t have or already gone from your 401(k).
There is a huge financial cost of “doing nothing” in your 401(k).
There are only a few questions that matter:
How much has this already cost your 401(k)?
Is that number big enough to care?
What does it cost your 401(k) to keep ignoring it?
And is fixing it cheaper than living with it?
Those answers don’t come from opinions.
They come from a calculation of the “cost of the problem.”
Calculate the dollars lost by owning the wrong 401(k) mutual funds.
Calculate the cost of staying put.
Decide whether change is worth it.
When you see the cost, your 401(k) mutual fund picks change.
It’s no longer, “Should I make a change?”
It becomes, “Why wouldn’t I?”
Want to know the “cost of the problem” inside your 401(k) right now?
If so, a connection here would be well worth your effort.
P.S. If no one shows you the 401(k) math, your 401(k) mutual funds are guesses.
