Confusion is the Enemy in Your 401(k)

Confusion is the Enemy in Your 401(k)

Most individual 401(k) investors don’t lack financial intelligence.They lack clarity. And clarity isn’t provided by your 401(k) sponsor (your company).Or your 401(k) provider (Schwab, Fidelity, Empower, etc.). 401(k) mutual fund clarity is built one mutual fund at a...
The Map Your 401(k) Doesn’t Show You

The Map Your 401(k) Doesn’t Show You

Most individual 401(k) investors are flying blind. Not because they’re careless.Because the 401(k) system hides the map. Here’s the truth: You likely don’t own the best-performing mutual funds in your 401(k. Not because they don’t exist.But because your 401(k) doesn’t...
The Illusion of 401(k) Safety

The Illusion of 401(k) Safety

Complacency is everywhere in the 401(k) world.Buy-and-Hold.Set-and-Forget. Entire generations of individual 401(k) investors.Don’t even pay attention to their paper 401(k) quarterly statements in the mail. 401(k) stock market risk does not go away.Even after years of...
Avoid the Default Option in Your 401(k)

Avoid the Default Option in Your 401(k)

“Set-it-and-forget-it” or “Buy-and Hold.” Dangerous 401(k) advice for individual investors.Designed for mutual fund managers.To extract the most management fees possible. Default 401(k) target date mutual fund selections.Passive allocations.To make you feel safe....