Own Evidence-Based 401(k) Mutual Funds
401(k) investors don’t actively choose their mutual funds. Your employer selects a 401(k) provider.The provider builds the default mutual fund menu. You enroll, accept the defaults, and move on with life. The mutual funds are already there.The provider is labeled...
No Decision in a 401(k) is a Decision
Most 401(k) regret doesn’t come from bad mutual fund choices.It comes from no choice at all. You log into your 401(k).And stare at the default mutual fund list. You are quickly confused by the online tools.Investment performance, risk scores, colorful graphs. You...
Before you pick your 401(k) mutual funds
Your 401(k) contributions are automatic.So you might also think your investment management is also done. Your 401(k) money goes in regularly.Your account value grows over time.The details are not important. A 401(k) contribution is a habit.A 401(k) mutual fund...
Set a 401(k) loss limit before the stock market does it for you
Most individual 401(k) investors don’t define a clear limit.On how much they’re willing to lose. They stay 100% invested.They ride out the stock market declines.Assuming that’s how 401(k) investing works. Here’s what gets missed with 401(k) investment management. You...
