What to Do with Your 401(k) Right Now

In this video I am talking about What to Do with Your 401(k) Right Now. Hi
everyone, it's Matthew Jackson here from 401(k) Maneuver. We provide online professional account management with the goal of supercharging your 401k performance. Stop leaving money on the table each and every year in the form of lost returns. Let us help you!

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For an investor, the only thing guaranteed is changing market conditions.

And, we’re seeing a whole lot of it right now.

That’s why, in this article, we’re sharing 1 thing you can do with your 401(k) right now that may help you better navigate these turbulent times.

The best part – it won’t cost you a cent to do it. Keep reading to find out what to do with your 401(k) right now.

An Antiquated 401(k) Savings Strategy
In the past, investors have been told to follow a “buy and hold” strategy with their 401(k)s: Set up a 401(k), contribute regularly, let it accumulate, and cash it out when you retire.

Here’s why: The investments you initially chose to help you meet your retirement goals – whether that was 25 years ago or 1 year ago – may no longer be the best alternatives for you now.

What to Do with Your 401(k) Right Now
It’s as easy as one word: rebalance.

Regularly rebalancing your 401(k) account allocations may be critical to your future retirement income.

How Rebalancing Works
Rebalancing your account allocations is the process of realigning the weightings of the assets (your investments) in the portfolio.

This can involve periodically buying and/or selling assets in the portfolio in order to maintain the initial desired level of asset allocation.

Rebalancing Is NOT the Same as Account Allocation
Reallocation is when you change the percentage of invested assets in different asset classes to balance risk versus reward.
Reallocation is about how much risk you want to take.
Account allocation is a type of investment strategy that attempts to balance risk versus reward by adjusting the percentage of each asset in a portfolio, based on investment time frame, tolerance to risk, and overall goals and objectives.

Why Rebalancing May Help Protect You from More Loss
If you aren’t rebalancing your account allocations, you may be missing out on earning more and keeping more of your hard-earned retirement savings.

Check out this video below for more info on how rebalancing works and how it may safeguard your retirement savings. [ Ссылка ]

Getting Help Rebalancing Your 401(k)

Rebalancing can take time and effort.

This is why, throughout the years, many employer-sponsored retirement plans have touted the benefits of Life Cycle, or target date funds (2020, 2030, 2040 funds). [[ Ссылка ]]

Let’s quickly get something out of the way:

How much money you have in your 401(k) should NOT deter you from seeking professional help to rebalance your 401(k).

Nor does it matter how far away from retirement or how close you are.

This is your financial future we’re talking about. If you’re freaking out right now and don’t know what to do or if you don’t have the time or want to learn how to rebalance, get help.

Check out our 401(k) calculator here to see how you may improve your account performance. [ Ссылка ]

We’re Here to Help
If you are unsure how to properly rebalance your account or don’t know where to start, we’re here to help.

401(k) Maneuver provides independent, professional account management to help employees, just like you, grow and protect their 401(k) accounts.
Our goal is to increase your account performance over time, manage downside risk to minimize losses, and reduce fees that are hurting your retirement account performance.
We aim to achieve this goal by first looking at how much equity exposure someone has based on current market and economic trends (risk management) and, second, for the equity allocation, our goal is to be in what is working and out of what is not in terms of investment style.
With 401(k) Maneuver, you can go about your life doing what you love with confidence, knowing we are handling the changes for you.
With 401(k) Maneuver, there’s no need for FaceTime meetings. And you don’t even have to move your account – you can keep it right where it is.

Have questions or concerns about your 401(k) performance? Book a complimentary 15-minute 401(k) strategy session with one of our advisors. [ Ссылка ]

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