As always, this story is meant to help retirement savers make good choices among the funds that are available in their 401(k) plan. Unless your retirement savings plan offers a self-directed brokerage window, your investment choices are limited to what’s offered in your plan. (One in five of the plans that Vanguard administers offers a brokerage window, according to the firm, one of the largest 401(k) plan administrators in the U.S.) That means you must make smart choices, keeping in mind your tolerance for risk and your time horizon.
The funds we highlight here are the 13 most popular actively managed funds in 401(k) plans. We don’t analyze the index funds that are hugely popular in 401(k) plans because the decision to invest in one typically hinges mostly on whether you want exposure to a particular asset class— U.S. stocks, say, or foreign shares. But actively managed funds are different. Some are better than others. Managers change, which can affect performance. And sometimes good funds lag the broad market for good reason—say, if a fund follows an investment style that is temporarily out of favor.
Bu hikaye Kiplinger's Personal Finance dergisinin February 2022 sayısından alınmıştır.
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Bu hikaye Kiplinger's Personal Finance dergisinin February 2022 sayısından alınmıştır.
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Already a subscriber? Giriş Yap
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