The Dangerous AI Concentration in Your 401(k) S&P 500 Mutual Fund
Most individual 401(k) investors want the easy answer.The simple mutual fund pick.To follow the “diversification” mandate they hear so much about. That’s why the two most popular 401(k) mutual funds choices.Are target-date mutual funds number one.And the cap-weighted...
What Your 401(k) Target-Date Mutual Fund Isn’t Telling You
Target-date 401(k) mutual funds are often presented.As the easiest option in a 401(k).The “set-it-and-forget-it” all-in-one 401(k) investment strategy. Pick the year closest to your retirement.And let the target-date mutual fund do the rest. Here’s what’s happening...
Why Holding 401(k) Cash Improves Decision-Making
Why Holding 401(k) Cash Improves Decision-Making April 2026 was a dramatic month for 401(k)’s.Check online account balances more often.Hope the war, inflation, gas prices, and layoffs pass. Two 401(k) mutual fund portfolios told very different stories. The first was...
Managing 401(k)’s As a Household
Many working couples do what they’ve been taught to do.Each person contributes regularly to their own 401(k).Each selects mutual funds from their default 401(k) menu. And each 401(k) account is managed more or less in isolation. Retirement success is not determined by...
