Why Most 401(k)s Stay Stuck

Imagine walking into a pharmacy with a burning stomach.

You grab an over-the-counter antacid.

Problem solved—right?

But what if that burning sensation was actually an ulcer?

Now apply that same logic to your 401(k).

Without a proper diagnosis of your 401(k) mutual fund menu.

You’d never know if you picked the best 401(k) mutual funds available to you.

Or the financial consequences.

Of not picking the best 401(k) mutual funds..

Most investors treat their 401(k) mutual fund picks like that antacid.

A quick fix based on surface-level symptoms.

They choose mutual funds based on name or default options.

No diagnosis of the main 401(k) mutual fund menu.

No structured 401(k) mutual fund selection process.

The hidden cost of “staying the same” in your 401(k) is steep.

401(k) participants rarely have access to:

• Institutional-level mutual fund analysis tools

• Annual cost and performance rankings

• Independent, third-party evaluations of stock market risk

Instead, they unknowingly accept:

• Underperformance

• Hidden fees

• Misaligned stock market risk

Are you serious about improving your 401(k) mutual fund picks?

Ric Lager

P.S. Don’t pick 401(k) mutual funds without knowing cost or performance rankings.