Your Minnesota 401(k) deserves better

Like night follows day.
It would be funny. If it weren’t so predictable.

The talking head investment managers.
The mutual fund marketing departments.
The financial-literacy experts.

"Stay the course."

"Stick with your plan."

“Don’t panic and sell.”

After 401(k) investors lose tens of thousands of dollars.

What else CAN they say?

It's not just about the paper losses in your 401(k).
It’s the financial media telling you that you can’t hide.
There is nothing you can do to preserve your 401(k).

I call B.S.

(Can I still say that in Minnesota?)

Staying the course in your 401(k) means not caring.
About the last few years of personal 401(k) contributions.
About the last few years of company-matching “free money.”

“Doing nothing” in your 401(k) means falling behind.
Adjust your 401(k) investment management strategy.
To the tariff-induced changes in the U.S. stock markets.

A 401(k) “stop loss.”
A dollar amount or percentage.
If level is reached, you sell your worst 401(k) mutual funds.

Want to know the worst mutual funds in your 401(k)?

Seek out an independent, third-party, fiduciary-level advisor.
Not affiliated with your 401(k) sponsor (your company).
Or your 401(k) provider (Schwab, Fidelity, Empower, etc.).

Ric Lager
Lager & Company, Inc.

P.S. Common sense ideas to protect your 401(k) principal.