….that they won’t meet investor expectations for avoiding losses.”
So, Why Follow The Crowd?
Retirement date funds, also known as Target Date Funds, have become the default fund of many 401(k) plans. However, Target Date Funds are actually riskier than many people perceive. Allocations are generally based on the date you may retire.
Therefore, they may not adjust to changing market conditions which could hurt performance and increase the chance your 401(k) account would lose value.
“A June 2018 report by Vanguard revealed, “Ninety-nine percent of all plans with automatic enrollment default participants into a balanced investment strategy—with 97% choosing a Target Date Fund as the default.”
The fact is there is not a “one size fits all” investment
Everyone has different dreams, goals, objectives and risk tolerance. By utilizing all of the choices available in your workplace retirement plan and making adjustments based on changing market conditions….
…you would likely improve your 401(k) account performance.
401k Maneuver uses all your investment choices and professionally manages your 401(k) for you. We review your account quarterly based on your risk tolerance, current economic and market conditions, and the menu of investment choices made available by your employer plan. Rebalancing is designed to improve your account performance over time, manage risk to minimize loss during the tough times, and reduce fees that harm account performance.
401(k) Maneuver™ is offered by Royal Fund Management, LLC, which is registered as an investment adviser with the SEC and only transacts business in states where it is properly registered, or is excluded or exempted from registration requirements. SEC registration does not constitute an endorsement of the firm by the Commission nor does it indicate that the adviser has attained a particular level of skill or ability. Royal Fund Management, LLC, is not affiliated with or endorsed by NASDAQ.
All investment strategies have the potential for profit or loss. Changes in investment strategies, contributions or withdrawals, and economic conditions may materially alter the performance of your portfolio. Different types of investments involve varying degrees of risk, and there can be no assurance that any specific investment or strategy will be suitable or profitable for a client's investment portfolio. There are no assurances that a client’s portfolio will match or outperform any particular benchmark. Asset allocation and diversification do not ensure or guarantee better performance and cannot eliminate the risk of investment losses. Projections are based on assumptions that may not come to pass.
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