Minnesota Household 401(k) Review

Most couples never sit down and look their 401(k)s together.
Old 401(k)’s, current 401(k)’s—yours and your partner’s.

No one taught you how to evaluate a 401(k) mutual fund menu.
With confidence to pick the best available mutual fund options.

Every 401(k) mutual fund lineup has high‑cost mutual funds. That underperforming the stock market averages.

The difference between choosing well and choosing blindly.
Can easily be a six-figure difference.
With couples, the investment performance can be staggering.

The key is knowing what to look for in each 401(k).
To choose the best possible mutual funds available.

A strong review usually includes:

•Annual fees and expense ratios — what you’re paying.

• Investment performance — what you’re getting.

• Duplication — where you’re doubling up the same stocks.

Here’s the truth you need to know:
Most 401(k)s only have three or four good mutual funds.

Not the whole menu.
A handful.

The real individual 401(k) investment management skill.
Is keeping those few high‑quality funds.
In your household’s 401(k) accounts.

And sometimes, one partner’s 401(k) has a hidden advantage:

The 401(k) SDBA (self‑directed brokerage account).

The SDBA is a brokerage account inside your existing 401(k).
Opens the door to more mutual funds, ETFs, and stocks.
Cheaper, and more flexible than the default 401(k) lineup.

The 401(k) SDBA option fixes bad 401(k) mutual funds.
For one or both household members.

Would a household 401(k) review be worth of your time?

Let’s connect on LinkedIn and share the details.

Ric Lager

P.S. I’ve reviewed household 401(k)s with clear problems.