Managing Your 401(k) Investments
- Introduction
- Your Retirement Investment Goals
- Risk Tolerance
- Investment Return
- Understand Risk
- Basic Strategies
- Investments
- Asset Allocation
- Managing Your Investments
- How Is Investing for Retirement Different from Other Investing?
- Steps to Follow when Investing in Funds in a 401(k) Plan
Steps to Follow when Investing in Funds in a 401(k) Plan
- Do your research. Focus on the long-term track record of the fund and use the numerous services available that rate the funds. You may not be able to find your 401(k) fund(s) listed in the more popular rating services. If so, determine the 401(k) fund's objective (growth, aggressive growth, equity-income, etc.), and compare the fund's performance to the average three-, five-, and ten-year performance of other funds in that category.
- Request a prospectus for the various funds from your company. The prospectus provides you with information regarding the fund's objectives, fees, composition, and allowable investments. Don't use the prospectus to assess performance of the fund—use an independent rating service.
- Decide on which fund to choose based on your risk tolerance, your investment goals, and your investment time horizon. Basically, you need to know how much fluctuation in your portfolio you are comfortable with.
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To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
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Important information about procedures for opening a new account
To help the government fight the funding of Terrorism and money laundering activities, Federal law requires all financial institutions to obtain, verify and record information that identifies each person who opens an account.
What this means to you: When you open an account, we will ask you for your name, address, date of birth and other information that will allow us to identify you. We may also ask to see your driver's license or other identifying documents.
Investment products are offered through Osaic Institutions, Inc., Member FINRA/SIPC. Insurance products offered through Osaic Institutions, Inc.