When “Doing Nothing” in Your Minnesota 401(k) Stops Feeling Right

Most people don’t actually know why.
They own the mutual funds in their 401(k).

They picked them once.
Or accepted the default option.
Then moved on with life.

When the stock markets are going up, that’s fine.
Now, not so much.

Not a major stock market drop yet.
But enough to make you look at your 401(k) mutual funds.
And realize you’re not sure what you’re looking at.

When you don’t understand what you own in your 401(k).
Stock market declines feel larger.
More personal.

A clearer way to think about a 401(k) mutual fund now:

Ask this question of every 401(k) mutual fund you own now:

“What is the level of stock market risk in this mutual fund?”

See the actual stocks in your 401(k) mutual fund.
And the stock market sectors of those stocks.

It’s too late to worry about “what to buy.”
It’s time to worry about protecting your 401(k) principal.

Need help with the stock market risk of a 401(k) mutual fund?

Let’s connect and I can share your specific details.

Ric Lager

P.S. Understand why you own a 401(k) mutual fund now.