I was stretching the law to suit the design I came up with,
My fear is a lot of people are burying their heads in the sand, and they don't even open their statements. Clearly, it's been a sobering time.
most participants viewed a bear market as a two-week or two-month event. Our confidence hasn't been shaken like this.
to make sure you don't lose the savings habit.
We've got 25 years of history now with the 401(k). We need to look at that history and improve what we're doing, no doubt about it.
Emotionally, that's going to be tough to do, ... But it's the smart thing to do.
If you can get a better return in a managed account than outside of one, the fees may be worth it.