Let’s talk about something most individual 401(k) investors never question:
Your default target-date 401(k) mutual fund.
You know the one.
The same one your employer auto-enrolled you in.
Because that’s they law and they don’t want to get sued.
The default 401(k) mutual fund is not based on your age.
Or your comfort with stock market risk.
But what if the stock market begins to fall?
And what if bonds aren’t the safe haven they used to be?
You might be much less stock risk-tolerant than your target date fund thinks.
Your 401(k) target date fund might be steering you into danger.
Ask Yourself:
• Have you ever looked under the hood of your 401(k) target-date fund?
• Do you know the stocks versus bond mix?
• Do you know how it will react to a stock market decline?
Your 401(k) deserves more than autopilot target date mutual fund.
A 401(k) investment strategy that reacts to changing stock market risk.
Interested in a more personalized 401(k) mutual fund selection process?
