The Cost of Looking Back in Your 401(k)
When stock markets get noisy, “what worked before” feels safe.Past 401(k) mutual fund investment performance offers comfort. “I’m sticking with what’s always done well in my 401(k).”“At least I own the mutual funds that did well before.”“Those mutual funds carried me...
The Dangerous AI Concentration in Your 401(k) S&P 500 Mutual Fund
Most individual 401(k) investors want the easy answer.The simple mutual fund pick.To follow the “diversification” mandate they hear so much about. That’s why the two most popular 401(k) mutual funds choices.Are target-date mutual funds number one.And the cap-weighted...
What Your 401(k) Target-Date Mutual Fund Isn’t Telling You
Target-date 401(k) mutual funds are often presented.As the easiest option in a 401(k).The “set-it-and-forget-it” all-in-one 401(k) investment strategy. Pick the year closest to your retirement.And let the target-date mutual fund do the rest. Here’s what’s happening...
Why Holding 401(k) Cash Improves Decision-Making
Why Holding 401(k) Cash Improves Decision-Making April 2026 was a dramatic month for 401(k)’s.Check online account balances more often.Hope the war, inflation, gas prices, and layoffs pass. Two 401(k) mutual fund portfolios told very different stories. The first was...
