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Using AI for 401(k) Advice: Risks, Limits, and Smart Use

Using AI for 401(k) Advice: Risks, Limits, and Smart Use

by Ric Lager | Oct 21, 2026 | 401k Advice, Blog, Educational

AI doesn’t replace 401(k) advice.Because it feeds your existing thinking bias. AI is a competence amplifier.Clear thinking and good AI prompts help.Sloppy thinking and bad AI prompts result in worthless responses. This matters a lot when trying to pick 401(k) mutual...
What 401(k) Investors Need to Know About Risk

What 401(k) Investors Need to Know About Risk

by Ric Lager | Oct 20, 2026 | 401k Advice, Blog, Educational

Individual 401(k) investors are looking for answers.What are the best mutual funds now?Where is the next hot stock market sector? At this stage of the economic and stock market cycle.Interest rates poised to go higher.I am convinced those are the wrong questions to...
The Real Problem With Most 401(k) Mutual Fund Options

The Real Problem With Most 401(k) Mutual Fund Options

by Ric Lager | Oct 15, 2026 | 401k Advice, Blog, Educational

Don’t assume your 401(k) mutual fund menu.Includes good investment options. After reviewing 401(k) menus for over 27 years.I’ve found more disappointment than optimism.Searching for good investment options. Large-cap growth funds.Small-cap value...
How 401(k) Investors Can See More Clearly

How 401(k) Investors Can See More Clearly

by Ric Lager | Oct 14, 2026 | 401k Advice, Blog, Educational

Too many 401(k) investment advisors.Believe they have a mutual fund information problem to solve. They think more information.Improves individual 401(k) mutual fund decisions. It doesn’t. Picking the best mutual funds on your default 401(k) menu.Should not become an...
Diversification Isn’t a Strategy to Reduce 401(k) Stock Market Risk

Diversification Isn’t a Strategy to Reduce 401(k) Stock Market Risk

by Ric Lager | Oct 13, 2026 | 401k Advice, Blog, Educational

“Make sure you diversify.”It may be the most common piece of investing advice investors receive. More common than all the other popular advice.Rebalancing, Asset Allocation, and Dollar Cost Averaging. The problem is that diversification is often treated as the...
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