category archives: 401(k) News

Investment Opportunities in a Down Market

  • Written by David
  • June 10, 2009 at 9:43 am
  • 2

What to do? What to own? Where to invest? How well are you managing risk these days? Over the years, I have analyzed many a client’s 401k statements. A typical 401k plan allows for many investment options in the name of diversification. Oddly, almost all of these options will lead to a similar result when [...]

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“Inside the Meltdown” from PBS Frontline

  • Written by David
  • April 23, 2009 at 9:14 am
  • 0

May I ask for 56 minutes, 23 seconds of your time? If you have not seen PBS Frontline’s episode , “Inside the Meltdown”, I invite you to find an hour’s time to view this program online. Click this link to view Frontline’s page on this subject: To watch the video directly, click the link below: [...]

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Mutual Fund Assets Plunge in October 2008

  • Written by David
  • December 1, 2008 at 5:03 pm
  • 0

According to Plansponsor.com the October results for mutual fund liquidation was not any better than the September 2008 results. During October 2008, investors sold US Stock mutual funds to the tune of $72.29 billion. This is up from the $49 billion in September as discussed in my blog article “Investors have been selling their mutual [...]

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Investors have been selling their mutual funds in record numbers

  • Written by David
  • October 28, 2008 at 9:47 am
  • 0

What I do not know from this headline, is how much of the selling is inside of retirement accounts. I can interpolate. Around 70% of all mutual fund assets is noted as being in retirement accounts, 401k’s, profit sharing accounts etc. Therefore we can work off the assumption that a majority of the mutual fund [...]

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Carnage in the Traditional 401(k) marketplace

  • Written by David
  • October 1, 2008 at 7:03 am
  • 0

While reading today’s newspapers and online sites, I found two examples that continue to reflect ongoing problems with the traditional do-it-yourself 401(k). Those problems include ● Poor diversification ● Imbalance on employer stock ●Asset allocation change at market inflection points (in this case, the market bottom) ● Selling at market bottoms locking in previously unrealized [...]

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Who is managing your company’s 401k plan, professionals or amateurs?

  • Written by David
  • September 2, 2008 at 2:17 pm
  • 1

Should employees manage their own 401k? Traditional ‘do-it-yourself’ 401(k) investing by employees has been in existence since the early 1980′s when congress allowed such plans. Over the past two plus decades employees have been left to make their own investment decisions inside 401k plans. Has this worked successfully for the employee? No. Why do we [...]

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Why have a Simplified 401k in your Company?

  • Written by David
  • July 24, 2008 at 9:11 am
  • 0

The traditional ‘do-it-yourself’ 401(k) has been in existance since the early 1980′s. Over the past two plus decades employees have been left to make their own investment decisions. Has this worked? Of course not. Look at the DALBAR studies that I refer to in my other blog, Random Musings from the Desk of David Gratke. [...]

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Just a reminder….Smart Investing Begins with a Disciplined Approach, not a Cycle of Emotion.

  • Written by David
  • June 27, 2008 at 9:02 am
  • 1

It is in markets like this that a friendly reminder of investment basics makes sense. Let us all be aware of how emotions impact our decision making process… and take note of the insidious effects emotional decisions can have on our investment process. I reference the age-old Dalbar study. How is it an unmanaged index [...]

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