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Can your 401k do better?
According to insightful research from a Financial Engines AON Hewitt study titled “Help in Defined Contribution Plans” (401K, 403b and others) The study found the median annual performance gap between advisor managed and non-managed accounts was 3.3%. That is 3.3% after advisor fees! Impressive, right? Let’s explore the benefits of utilizing the self-directed brokerage (SDBA) window in your 401K.
By taking advantage of this option, you open doors to diversifying beyond the relatively short list of your employers’ investments. This flexibility empowers you along with your professional advisor to customize your portfolio, potentially maximizing returns along the way.
What's more?
Access to a wide range of investment options means you can seize market opportunities, potentially boosting overall returns or lowering market risk. It’s all about taking proactive steps towards crafting the retirement lifestyle you’ve always envisioned.
With a professional advisor and a broader horizon of investment options you have the tools to invest deliberately and with confidence. It’s about making smart choices that align with your retirement goals.
Ready to embark on this journey towards financial security and fulfillment?
Let’s make the most of your 401k’s self-directed brokerage account together!
Gen X Fears Running Out of Money More Than Death
Many in the first generation of workers in the 401(k) era will be retiring without a pension — but with substantial debt.
Most Americans fear outliving their money more than death itself, especially members of Generation X, according to a survey from Corebridge Financial.
Corebridge asked respondents what they feared the most, and 66% said they’re most afraid of running out of money, compared to 34% who fear death the most. This disparity is most pronounced among Gen Xers, with 72% saying they’re most afraid of running out of cash, while only 28% said their biggest fear is death. The survey also revealed that most people (54%) expect to live to be 100.
“Gen X are in their 40s and 50s, and many are at a point in their lives where they need to care for both elderly parents and their own children,” said Pinsky, in an email. “The financial stresses that can come with these responsibilities are complicated and could raise any concerns this generation may already be having about how they are going to fund their own long life and retirement.”
– According to Limra and Loma
Director of Research Alison Salka
