Ric Lager’s Post

I'll let you in on a secret: Your 401(k) is not for “saving.” It is for “investing.” The difference is huge. And the dollars at risk are life changing. Here's a strategy to change your 401(k) mindset: 1. Rank your 401(k) mutual funds. Like your fantasy football players. 2. “What to buy” in your 401(k) is easy if you have the right data. 3. Not an experienced investor? No time? Don’t know where to look? 4. See number 2 above. Personalized 401(k) investment advice is an option. And can make THE DIFFERENCE in your retirement. But you don’t know unless you take a closer look. If you have $100,000+ in your 401(k) now and want to improve your mutual fund choices, send me a secure LinkedIn DM. #finances #work #careers #money

I have no idea about your current 401(k) mutual fund holdings. But I do have a copy of your default 401(k) menu. I have ranked the funds using an independent mutual fund ranking database. #investing #finances #money #help

Buy-and-hold will grow your 401(k) in a good stock market. Always has. Always will. But here is another thing to know now… Buy-and-hold will destroy your 401(k) when the stock market declines. Pay attention to where the stock market is now. All-time highs. Is the next big move in the stock market higher? Or lower? Don’t know. Because I don’t have to know. And neither do you. If you don’t want to ride the stock market roller coaster down again in your 401(k), send me a secure DM on LinkedIn. A 401(k) "stop loss” may give you peace of mind. #creativity #motivation #personaldevelopment #investing

You don’t need to think about “selling everything” in panic mode. Instead, focus your attention on the one or two worst 401(k) mutual funds you own now. Face it. Not every 401(k) mutual fund you own now is working. Or has worked well recently. Those mutual funds should be sold. And the proceeds placed in the safety of the money market account for now. #management #economics #personalfinance #investment #financialadvice

Fundamental analysis identifies “what to buy.” Technical analysis signal when to buy or sell. Combine both investment management disciplines in your 401(k). Rank: Mutual fund asset class Growth versus value Large, Mid, or Small Cap Price moving up or down Show: Top 3 stock market sectors Top 10 stock holdings Outcome: Investment management strategy that shows best mutual funds to own on your default 401(k) mutual fund menu. Interested? It takes 10 minutes to share a screen shot of your 401(k) mutual fund menu. Let’s connect on LinkedIn. I will respond with detailed information. #management #personaldevelopment #markets #money #Finances

Peace of mind with your 401(k) is a wonderful thing. Knowing you only own the cheapest and best-performing 401(k) mutual funds available to you. All it takes is a second opinion. If I stick with the car analogy, think about a “401(k) tune-up." #markets #finance #help #investment #personalfinance