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Company 401(k) investors, “When do you sell?”

by Ric Lager | Dec 27, 2017 | 401k Advice, Blog, Educational

I have asked the same company 401(k) retirement plan investment management question for both clients and prospects over the last several months. The historic investment returns of 2017 require each individual investor to give at least a passing thought to their...

Beware the upcoming Target Date 401(k) mutual fund accident

by Ric Lager | Dec 19, 2017 | 401k Advice, Blog, Educational

Last week, an individual company 401(k) retirement plan investment advice prospect asked me for a brief explanation of how target date mutual funds worked. I knew exactly how to respond to his request. I e-mailed the prospect a link to the article below. In February...

My daughter will have a million dollars in her 401(k) someday

by Ric Lager | Dec 6, 2017 | 401k Advice, Blog, Educational

All the news about inappropriate sexual behavior in government and the workplace is depressing. Especially when I have a college-aged daughter about to enter the workforce soon. All parents want to protect their children from any potential harm. Parents also want...

Article highlights two common problems with your 401(k) mutual funds

by Ric Lager | Nov 28, 2017 | 401k Advice, Blog, Educational

There was a great 401(k)mutual fund article on Yahoo Finance over the holiday weekend. The article contained 5 Interesting Statistics on How Americans Use Their 401(k)’s. The first two statistics really caught my attention. I see these same two company 401(k)...
Thanksgiving 2017: Shoot the Turkeys in Your Company 401(k)

Thanksgiving 2017: Shoot the Turkeys in Your Company 401(k)

by Ric Lager | Nov 21, 2017 | 401k Advice, Blog, Educational

The large financial services companies spend tens of millions of advertising dollars every year. Their main message is always the Big Three of investment management advice–asset allocation, diversification, and rebalancing. The end result is that most individual...

How to build a low cost 401(k)

by Ric Lager | Nov 14, 2017 | 401k Advice, Blog, Educational

By far the biggest frustration individual company 401(k) retirement plan participants face comes for choosing which mutual funds to own. Frustration with the “what do I buy” decision abounds. The majority of investors I talk to follow the “buy-and-hope” investment...
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