category archives: 401(k) News

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Are Your Age 60 and Over 401(k) Participants Prepared for the Next Stock Market Downturn?

  • Written by David
  • October 1, 2015 at 10:05 pm
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As we know, target-date funds (TDF) have become very popular in the 401(k) retirement industry over the past ten years. Many estimates suggest that as much as over 60% of participant (employee) monthly contributions go into target-date funds (TDF). The reason is straightforward TDFs offer a simple way for the participant to allocate their investments [...]

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Alternative Investment Recommendation: An Update

  • Written by David
  • October 1, 2015 at 9:58 pm
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This past spring (2015) we shared our updated recommendations on Alternative Investments with clients in a series of email communications around the dates of April 27th and May 5th respectively titled “Alternative Investment Recommendation” and “Additional Information on Alternative Investment Strategies“. Equally, you may have read our July 2015 article ‘Do Alternatives Make Sense‘ as [...]

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Why the Bull Market is Toast, Published on Morningstar.com

  • Written by David
  • February 23, 2015 at 8:20 pm
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Greetings, Please find our above referenced article where we discuss current financial market valuations and the associated risks and opportunities. We are again grateful to Morningstar as they have published yet another one of our articles on their website.  To Read: You may go directly to Morningstar’s site to read the article. Alternatively, go here [...]

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Living with Higher Volatility, Published on Morningstar.com Website

  • Written by David
  • November 3, 2014 at 11:35 pm
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We are pleased to announce our article, Living with Higher Volatility, has been published to Morningstar.com website. Go here to read the full article online. (You may need to register with Morningstar to access the complete article) Go here to download the article in PDF format.     Update November 9, 2015 Historically the S&P [...]

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Market Volatility… it’s back.

  • Written by David
  • October 10, 2014 at 5:49 pm
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vol·a·tile adjective \ˈvä-lə-təl, especially British -ˌtī(-ə)l\ : likely to change in a very sudden or extreme way : having or showing extreme or sudden changes of emotion : likely to become dangerous or out of control Examples of VOLATILE The stock market can be very volatile. Volatility has been on vacation for most of the [...]

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An ‘Alternative’ to Traditional Stocks and Bond Investing

  • Written by David
  • December 3, 2013 at 6:54 pm
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Welcome to our primer on alternative investments. As traditional assets, stocks and bonds, become more overvalued one needs to explore ‘alternative’ investment solutions. At Gratke Wealth, we have been using alternative investments for over the past decade and longer. Why use Alternatives in a portfolio? Historical net result, higher returns, lower risk-portfolio fluctuation/standard deviation. The [...]

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Plan Sponsors, Are you on Target? A Guide to Understanding your Target Date Fund Program

  • Written by David
  • October 12, 2013 at 12:45 am
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Join us for an online webinar at HR.com Topic: Plan Sponsors, Are you on Target? A Guide to Understanding your Target Date Fund Program Date: November 6, 2013 at 1:00 – 2:00 PM ET – See more, click here.

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Target Date Fund Misses, A guide for 401(k) participants on Target Date Funds

  • Written by David
  • July 18, 2013 at 12:06 am
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When investors choose target date funds, they don’t necessarily get what they think they ordered. In fact, different funds with similar names and identical target dates have wildly different allocations – and results. It helps to look deeper into the fund prospectus and ask questions before buying one of these investment products. Before blindly choosing [...]

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Plan Sponsors, Are you on Target?

  • Written by David
  • June 19, 2013 at 5:44 pm
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Plan Sponsors, Are you on Target?   A Guide to Understanding and Monitoring your Target Date Fund Program. Below, are a few select paragraphs from our full article. To read it in its entirety, go here:  http://gratkewealth.com/tdf/ Target-date funds are becoming more popular with company 401(k) retirement plans. And as they do so, it puts [...]

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Gratke Wealth Awarded as Five Star Wealth Manager

  • Written by David
  • May 22, 2013 at 12:09 am
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Gratke Wealth is honored to have been awarded as a 2013 Five Star Wealth Manager. This select group represents less than 6 percent of the wealth managers in the Portland, OR area which started from a field of over 6,000 firms, and 2551 nominees resulting in just over 330 firms awarded this honor. This award [...]

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  • Gratke Wealth, LLC is a registered investment adviser in the State of Oregon, California. The adviser may not transact business in states where it is not appropriately registered, excluded or exempted from registration. Individualized responses to persons that involve either the effecting of transaction in securities, or the rendering of personalized investment advice for compensation, will not be made without registration or exemption.