Give your 401(k) the attention it deserves
Did you know your retirement depends on only three numbers and a letter? Can you guess what they are? If you guessed “401(k)” then you’re right. For many Americans, a 401(k) is the easiest and most convenient way to save for retirement. Over 80% of full-time workers...
Consider 401(k) investment advice
I have been an investment advisor for over 40 years. Providing investment advice to individual 401(k) participants for the past 25 years. I' have the honor of working with talented clients. Most with several years of knowledge and experience withing their industry....
Your 401(k) might be better off right where it is now
Generations of investment advisors have lived off of the “401(k) rollover” life event. For corporate employees, retirement is inevitable. Along with it, the 401(k) rollover. Barring the sale of a home. The biggest piece of stock and bond investment money they would...
My Gen Z kids need to merge their 401(k)’s
The American workforce has changed the last few years. With or without the help of the work from home generation. I can remember my grandfathers. And then my father. They found jobs early in their adult working career. And stuck with the same job at the same company...
A random idea: 401(k) advice.
How do you react when someone you don’t know very well presents a completely random and spontaneous idea to you? It may be a great idea. One that will benefit your personal and financial future. Few 401(k) participants I approach agree on their need for investment...
What’s on your 401(k) mind in 2024?
Happy New Year! Late, but better than nothing. As a 401(k) investment advisor this is one of my favorite times of the year. Many individual 401(k) participants are recommitting themselves in the new year. To pay more attention to their most important retirement...
The right 401(k) diversification for you
The 60/40 portfolio. Long considered the most important long-term 401(k) investment management theory. Harry Markowitz won a Nobel Prize in 1990 for the development of the theory. 60 percent stock and 40 percent bonds. A sure-fire strategy for long-term investment...
Three ways to make the best out of a bad company 401(k)
Some men have strange hobbies. I gather and analyze the main 401(k) mutual fund menus from hundreds of companies. In most cases, I am not impressed. Most 401(k) retirement plan mutual funds have the same investment management problems. These mutual funds are too...
401(k) SDBA is the perfect Christmas gift to yourself
Your company 401(k) account intends to build your retirement nest egg wealth. The last few years that has been an exceedingly difficult investment management challenge. The stock and bond market went down big in 2022. Each market has rebounded so far in 2023. But many...
Do you live in your 401(k) past or future?
I have provided investment advice to individual 401(k) participants for over 25 years. In my experience, 401(k) participants fall in to two very distinct groups. The first group live in their past 401(k) investment management results. Over their entire working career,...