Managing Behavior in Your 401(k)
Stock market volatility increases.Individual 401(k) investors react with emotions. As a result, mutual fund selection decisions begin to shift. Increase exposure to rising 401(k) mutual funds.Decrease exposure to falling 401(k) mutual funds.Whatever feels appropriate...
When “I’ll Look Later” Becomes a Long-Term 401(k) Risk
Most 401(k) problems begin during times of stock market stress. Two assumptions show up repeatedly: “I don’t have time to deal with this.”“I don’t need help with my 401(k).” Both sound sensible.Time and attention are scarce. As a fiduciary 401(k) investment advisor.I...
Same 401(k) Can Produce Different Mutual Fund Outcomes
Most individual 401(k) investors make the wrong assumption.Their 401(k) outcome is driven by the stock market. If their balance grows, things are working.If it lags, it must be stock market timing or economic conditions. But inside every 401(k) mutual fund menu...
The “Cost of the Problem” in your 401(k)
The biggest risk to your 401(k) principal.Is not a stock market decline. There is an even larger 401(k) risk.That gets little or no attention. It’s the risk of owning the wrong mutual funds inside your 401(k).And not realizing the cost in real 401(k) dollars. What...
