Minnesota Spring 401(k) Yard Sale

Spring means a fresh start.
Cleaning and throwing out things you no longer need.

This Spring think beyond your closet and garage.
Your 401(k) has as much or more clutter.
Mutual funds you don’t need to own any longer.

If a mutual fund can’t keep up with stock market averages.
During a strong market cycle.
When will it ever outperform?

If you’re holding a lagging 401(k) mutual fund.
You have taken 100% of the stock market risk.
And collected a fraction of the investment returns you deserve.

Lately, you have captured more of the stock market downside.

The Case for a 401(k) “Yard Sale”

You’re not getting rid of every mutual fund in your 401(k).
You’re removing the ones that no longer work.
Lagging and disappointing on investment returns.

Sell the bad mutual funds in your Spring 401(k) Yard Sale.
Place the proceeds in the safety of the money market account.

Don't rush the sale proceeds back into the stock market.
Right now, there is too much uncertainty in the world.
Money market can preserve your 401(k) principal.

Can you identify the worst mutual funds in your 401(k) now?

If you want to know for sure, let’s get a connection started.

Ric Lager

P.S. All 401(k) menus have bad funds. Refuse to own them.