What Happens When You Stop Looking at Your 401(k)?
“Set it and forget it.”Sounds like a reasonable 401(k) investment management strategy. But over time, here’s the danger.It turns into a “don’t look at it” 401(k). Over time, individual investors who disengage.Often lose a clear sense of what they actually own in their...
Protecting 401(k) Principal
Think about your favorite football team.They don’t run the same play no matter what’s happening on the field. Why do you think that would work in your 401(k)? Most 401(k) advice assumes you should always be “growing.”But sometimes, the smartest move is to protect the...
Not Timing the Market Doesn’t Mean a Static 401(k)
Most individual 401(k) investors take it as a reminder.Not to react emotionally to stock market and financial headlines.Not to let fear or excitement drive decisions. Over time, individual investors start to interpret “don’t time the market.”Has the same meaning as:“I...
What Your 401(k) Does When Stock Markets Change
Most individual 401(k) investors do what they are supposed to do. They contribute to their 401(k).They stay invested. When stock markets are rising, that has always worked.Contributions build up and balances grow.There’s a sense that everything is moving in the right...
