Protect Your Stock Market Gains

by | Nov 21, 2013 | 401k Advice, Blog, Educational

Most Minnesota stock market mutual fund investors don’t have an investment management strategy in place for a declining U.S. stock market environment. Buy-and-hold always works in a good stock market.  The problem becomes buying-and-hoping on the way down in a bad...

Low Cost Mutual Funds Work Best

by | Nov 18, 2013 | 401k Advice, Blog, Educational

In the last three years ending in 2012, almost 87% of mutual fund investment managers underperformed their investment benchmarks.  Most of the mutual funds in a Minnesota company 401(k) retirement plan fall into that same category. Company 401(k) retirement plans are...

Should You Pay Off Your Mortgage?

by | Nov 15, 2013 | 401k Advice, Blog, Educational

I had a Minnesota client call me last week.  The reason for the phone call was the client’s sudden financial windfall. The client’s mother-in-law died a couple of months ago.  The estate had settled and the couple’s part of the inheritance was almost the same amount...