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 gains you already have.
Let me help you learn the difference between 401(k) offense and defense.
Think about football again for a moment.
When your team has the ball, the goal is scoring points by taking smart risks.
When they don’t have the ball, everything changes.
The job is no longer to score points.
It’s to prevent damage.
Your 401(k) works the same way.
Offense = Growth
Defense = Protection
The U.S. stock markets no longer support 401(k) growth.
Your 401(k) defense needs to be on the field.
With a primary goal to protect your 401(k) principal.
Running offensive 401(k) plays in a defensive environment.
Will set your 401(k) growth back for years.
Great football teams don’t argue.
Whether offense or defense is “better.”
They focus on what the moment requires.
When U.S. stock market conditions improve, you can return to 401(k) offense.
Until then, defense is how you can protect your 401(k) principal.
Are you playing offense or defensive now in your 401(k)?
P.S. Your 401(k) needs a defensive investment management strategy now.
