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Personal Finance

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What to Do When Your 401(k) Loses Value

5-day period: February 3rd to February 8th, 2018 38-year period: 1980-2018 You’re socking money away in a 401(k) because you think it’ll increase in value over time and give you something to live off of during retirement. But then you check your account and find out you have less money now than you contributed in… Read More

Personal Finance

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Are My 401(k) Fees Too High?

Are you paying too much in high 401(k) fees? Unfortunately, you might well be – a 2015 study by American Progress found that the average 401(k) plan charged 1% of assets every year. Small business employees are even worse off: plans with fewer than 100 employees averaged 1.32% in fees. 1% here or there doesn’t… Read More

Personal Finance

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Is Using Bitcoin for Your 401(k) a Good Idea?

One of the most talked about investment opportunities of 2017 was bitcoin – a digital currency issued based on computer algorithms instead of being issued by banks or governments. If you had purchased one bitcoin back on January 2, 2017, you would have paid $989.13. That same bitcoin would have been worth about $16,496.80 on… Read More

Personal Finance

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Should I Contribute to My 401(k) Even if There’s No Match?

Since nearly 80% of U.S. full-time workers have access to an employer-sponsored retirement savings plan, chances are that  you’ll eventually be eligible to enroll in a 401(k) from your employer. The more employees your company has on payroll, the higher your chances of access to a 401(k). Seeking to attract and retain talent, most employers… Read More

Personal Finance

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Average 401(k) Fees

There’s no such thing as a free lunch and 401(k) plans are no exception to this business maxim. Whether it’s you, your employer, or both, somebody has to cover the costs involved in setting up, managing, reporting on, and meeting compliance requirements for your retirement plan. About seven in ten 401(k) plan holders aren’t aware… Read More