401k Best Practices
Articles
401(k) Expenses - Understanding and Analyzing 401(k) Plan Fees
The E for Expenses essay focuses on 401(k) plans and their costs. Here we will explore the fees you are likely to see in your plan, understand who should be responsible, how best to analyze, and how often you should review. Nathan Fisher developed a mnemonic device called R.E.T.I.R.E. ® an employer's go-to resource for 401(k) plans.
401k Fees And Performance
Articles
Why Investors Miss the Mark
Regardless of why people choose to change what their long-term investments are, the research shows that too many people are buying high and selling low. A study by Dalbar shows that if an investor holds a good mix of investments, they’ll do better over time than a reactionary and always-changing investment strategy will.
Educational Workshop Guides
Articles
Investment Highlights and Snapshot Sample Report
Here is a sample investment benchmarking report from a third party. The report reviews the funds in your company 401(k) plan and identifies if they are good (green), at risk (yellow) or bad (red). Once a fund is in the red category, it should be put on a fund watch list and removed if it doesn’t improve. See this sample report to get an idea of what an investment benchmarking report can do for your 401(k) plan.
401k Fees And Performance
Articles
Historical Frequency of Positive Stock Returns
While stocks have the strongest historical returns, many Americans still reeling from the 2008 financial crisis remain afraid of investing their retirement savings in the stock market. This information sheet plots historical S&P 500 data going back to 1926 to show how returns behave over time shows that over a 30-year period, there has never been a time when cash or bonds have outperformed stocks.
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