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401(k) Stock Market Risk is Avoidable and Manageable

401(k) Stock Market Risk is Avoidable and Manageable

by Ric Lager | Nov 18, 2025 | 401k Advice, Blog, Educational

I help individual 401(k) investors improve their mutual fund picks.At the same time, I help them navigate stock market volatility. Their mutual fund picks improve with default 401(k) mutual funds.By annual fees and investment performance. Like picking Fantasy Football...
You Took the Stock Market Risk. Did You Get the 401(k) Reward?

You Took the Stock Market Risk. Did You Get the 401(k) Reward?

by Ric Lager | Nov 17, 2025 | 401k Advice, Blog, Educational

The stock market always goes up… right? And the “average” 401(k) balance is at all-time highs. Target date 401(k) mutual funds are “safe” long-term investments. After 42 years of advising individual investors, I’ve learned: “Up” can be misleading.“Average” can be...
Are You Picking the Right Funds in Your 401(k)?

Are You Picking the Right Funds in Your 401(k)?

by Ric Lager | Nov 12, 2025 | 401k Advice, Blog, Educational

You’ve worked hard to build your 401(k) account value.Helped by company-matching contributions.And all-time stock market highs. Here’s the naked truth: Not every mutual fund on your default 401(k) menu deserves your trust.Certainly not your 401(k) money. The real risk...
The Power of Knowing What’s Wrong With Your 401(k)

The Power of Knowing What’s Wrong With Your 401(k)

by Ric Lager | Nov 11, 2025 | 401k Advice, Blog, Educational

Most 401(k) investors are handed a list of mutual funds and told to “pick wisely.” Even after the all-time stock market highs.They’re left wondering why their 401(k) mutual funds are plain wrong. Big-name 401(k) mutual fund companies.Headlines everyday about AI...
The Silent Risk in Your 401(k No One Talks About

The Silent Risk in Your 401(k No One Talks About

by Ric Lager | Nov 10, 2025 | 401k Advice, Blog, Educational

What’s the one thing in your 401(k) you’re most worried about right now?The thing that no one seems to be addressing? You’re told your 401(k) is “on track.”But whose track is it really on?” Stock market volatility is back.Do you know the risk to your 401(k) mutual...
What They Never Taught You About 401(k) Mutual Funds

What They Never Taught You About 401(k) Mutual Funds

by Ric Lager | Nov 9, 2025 | 401k Advice, Blog, Educational

Here’s a secret most individual investors don’t want to admit: Many are struggling with their 401(k) mutual fund choices.And it’s not about intelligence, income, or academic credentials. Individual 401(k) investors all face the same silent dilemma:Default 401(k) menus...
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