Most individual investors.
Stick with the default mutual fund menu in their 401(k).
They pick from the list of mutual funds.
Make a few changes over time.
And assume that’s the full range of choices available.
Your 401(k) is designed to be simple.
And simple feels appropriate.
But in some 401(k) plans.
Something sits outside that default mutual fund menu.
A Self-Directed Brokerage Account (SDBA).
It’s a brokerage account still inside your 401(k).
It opens the door to choosing more investments.
Customizing your 401(k) risk level.
Even working with an independent advisor if you choose.
If you don’t know it’s there in your 401(k).
You don’t factor it into your investment management decisions.
The default 401(k) mutual fund menu reflects a general approach.
A limited mutual fund menu creates limited thinking.
Your 401(k) may not be just a menu.
One that includes a brokerage option designed for more flexibility.
Look for terms like “Brokerage Window,” “Self-Directed,” or “SDBA.”
Not because you need to change anything right away.
But because you need to know all your 401(k) options.
Better long-term 401(k) investment management decisions.
Start with seeing the full set of choices.
Want to find you if your 401(k) includes the SDBA option?
Let’s connect and I will help you find out.
P.S. The biggest improvement in your 401(k) would be the SDBA option.
