Here we discuss why we all pick Target Date Funds and how they compare to other simple allocations using only 2 ETFs or Mutual Funds. This won’t hurt your brain. It’s as easy as 1, 2. Invest Smarter

00:00 Intro
00:16 So you picked a Target Date Fund
00:28 Target Date Fund Performance
03:18 A healthy risk/return structure
03:40 What this means to you 30 or 40 years from now
06:19 Create your own fund – it’s EASY
11:53 Are Target Date Funds bad?
12:32 How you can do this in your 401k
14:19 Easy way to pick two Mutual Funds
17:03 You should have everything you need now
17:22 Please like, subscribe, and hit that notification icon!
17:36 Support the channel on Patreon
18:05 Disclaimer

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For many working Americans, the 401k plan is a crucial part of their retirement savings. Yet, many people overlook the importance of regularly reviewing and adjusting their 401k investments. If you are one of them, it’s time to take action and fix your 401k now!

The first step to fixing your 401k is to review your plan’s investment options. Many plans offer a range of options, from low-risk bonds to high-risk stocks. Take a look at your current investment mix and determine if it aligns with your goals. If you’re not sure which investments to choose, consider seeking advice from a financial planner or investment professional.

Another important factor to consider is your contribution rate. If you’re not contributing enough to your plan, you may fall short of your retirement goals. Aim to contribute at least enough to receive any employer matching contributions and consider increasing your contribution rate annually.

It’s also essential to monitor the fees associated with your 401k plan. These fees can eat away at your investment returns over time, so be sure to review the fees charged by your plan’s fund providers and consider switching to lower-cost funds.

Lastly, don’t forget to regularly review and rebalance your portfolio. Over time, your investment mix may shift due to market performance, so it’s important to periodically adjust your portfolio to maintain your desired asset allocation.

In conclusion, fixing your 401k may take some effort, but it’s a crucial step in securing your financial future. Take the time to review your investment options, contribution rate, fees, and portfolio allocation to ensure that your retirement savings are on track. Remember, the earlier you start, the more time your investments have to grow!