Let’s be clear on the Lottery Effect.photo © 2010 Seth Anderson | more info (via: Wylio) In so far as no one can really tell you with absolute certainty the value of the stock market at the time you actually retire, there is the possibility that it may be lower than when you made your…
Will Bond Funds be the highest value, 401k investment advice discussion for 2012?
by George Huss
photo © 2006 N1NJ4 | more info (via: Wylio) The Financial Industry Regulatory Authority, Inc., FINRA, released the state-by-state online survey of more than 28,000 respondents (released December 2010) as part of the 2009 National Financial Capability Study. A very impressive team created the survey instrument:
Are 401k Advisors being Honest about Buy and Hold?
by George Huss
For who is the “Buy and Hold” message directed? The financial industry, particularly in the mutual fund space, has spent millions upon millions of dollars spreading this advertising message. And, in truth, that is all it is ~ an ongoing advertising campaign. How can you tell? Look at
How Can My Employer Offer Free Investment Advice For My 401k Options?
by George Huss
Let’s be honest here: something for nothing is what we commonly believe to be the definition of free. However, even free offers have a cost. In the area of your 401k plan, your employer will likely offers free tools. Common among them will be informational brochures on how the plan works, how you opt-in,…
Look Closely Into All Your Asset Allocation Strategies. Is There Junk In Your Target Date Fund?
by George Huss
I am not a fan of Target Date Funds for two primary reasons. The first reason is the very real disconnect between the theory that bonds should be a part of every investors’ retirement portfolio (in the name of “safety”) yet
How to assess the Self Directed Brokerage Account (SDBA) option in your 401k Plan.
by George Huss
This article will help you with your initial assessment of the Self Directed Brokerage Account (SDBA) among your 401k investment options, which may include ETFs or exchange traded funds. photo © 2010 Keith Ramsey | more info (via: Wylio) What you need to know about the SDBA is that it expands the investment choices open…
