401(k) Low Risk Choices – What Now?

OK, plan fiduciaries, now that U.S. Treasury yields average 1% on the 10-year note, what are you going to provide for employees in the way of low risk investment options? More to the point, what are your older participants supposed to do to protect their retirement...

What is Most Important in a 401(k)?

What are the most important things in a 401(k) retirement plan? What companies say –  Employees understand and like the plan Good employee participation Good investment choices Reasonable costs Good vendor service and communication What regulators say – ...

Economic & Market Commentary 2Q 2020 w Charts

THE ECONOMY The economy continues to rebound, but the rebound is far from evenly distributed and has been thrown more in doubt by the huge surge in COVID 19 cases the last month and less in doubt by the news that the trials of Moderna’s vaccine produced very strong...

The Best News You May be Missing

I am the lone conservative in my family. I also subscribe to the NY Times, a high quality paper that I find aggressively and pervasively anti-Conservative. While I find that very annoying, I read it anyway because I want to be informed. If you are a liberal, I...

Market Update

Back into the Black, Temporarily? As of the start of this week, many of my clients were in the black for 2020 and nearly all the rest were down some single digit percentage for the year. That is due to good fund selection by focusing on funds favoring large growth...