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Financial Literacy
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Home
Learning
Your 401(k)
Managing Your 401(k) Investments
Steps to Follow when Investing in Funds in a 401(k) Plan
Financial Literacy
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Your 401(k)
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Managing Your 401(k) Investments
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Steps to Follow when Investing in Funds in a 401(k) Plan
Managing Your 401(k) Investments
Introduction
Your Retirement Investment Goals
Risk Tolerance
Investment Return
Understand Risk
Basic Strategies
Investments
Asset Allocation
Managing Your Investments
How Is Investing for Retirement Different from Other Investing?
Steps to Follow when Investing in Funds in a 401(k) Plan
Steps to Follow when Investing in Funds in a 401(k) Plan
Do your research.
Focus on the long-term track record of the fund and use the numerous services available that rate the funds. You may not be able to find your 401(k) fund(s) listed in the more popular rating services. If so, determine the 401(k) fund's objective (growth, aggressive growth, equity-income, etc.), and compare the fund's performance to the average three-, five-, and ten-year performance of other funds in that category.
Request a prospectus for the various funds from your company.
The prospectus provides you with information regarding the fund's objectives, fees, composition, and allowable investments. Don't use the prospectus to assess performance of the fund—use an independent rating service.
Decide on which fund to choose based on your risk tolerance, your investment goals, and your investment time horizon.
Basically, you need to know how much fluctuation in your portfolio you are comfortable with.
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