What Not to Ask When Shopping For a 401(k)

In the previous two articles in this series on retirement, I talked about How to Turn Your 401(k) Into a "Super Roth IRA" and Get the Max Out of Your 401(k). In this third part, I take a look at retirement from a different perspective, that of an employer.

How much is this going to cost me?

Asking how much something costs is a normal question any buyer will ask when considering the purchase of a product or service. One notable exception were Mercedes-Benz shoppers back in the 80’s whose salesmen would respond, “If you must ask, you can’t afford it.”

But what if I told you that this perfectly reasonable question can get a seemingly responsible business owner into an overly expensive deal that can be difficult to break free from. Even worse, it can expose the owner to legal liability if their employees can show that a buying decision was based on the answer?

Perspectives on Market Uncertainty

Whether the bull is reaching its end, or just taking a breath, volatility can make us all feel uneasy about our own direction. This week, I am sharing a couple of different perspectives on market uncertainty. The first is from a DFA investment professional, Jim Parker, titled Sailing with the Tides. 

The second is from a DFA client, Dave Goetsch, an executive producer of the hit television series, The Big Bang Theory. As a writer on a show about a group of brainiac scientists, Dave makes common sense out of complicated concepts for a living. But when it came to market fluctuations, he used to respond with with panic rather than logic. His story, titled Now and Then, discusses how he came to discover a new path for his financial life.

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