The Employee Retirement Income Security Act of 1974 (ERISA) imposes strict standards of conduct on fiduciaries who have discretion over the administration and investment of 401(k) retirement plans and plan assets.
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This winter was brutal—especially by North Carolina standards. Being snowbound for a couple of days, I found myself being drawn to CNBC (the business news network), where economist, portfolio managers and market pundits discussed the financial markets, the economy and a host of other financial topics.
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When making financial planning and investment decisions, we believe that it is important to consider the probability of negative outcomes. We call this "stress-testing" a financial plan. By stress-testing financial planning assumptions, we are able to help our clients identify and protect against financial risks that could derail their financial plans.
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With over 20 years in the investment industry, we have helped clients navigate through a number of economic and market cycles. Through the years, we have developed our own set of descriptive names that are used as an indication of where we are in the market cycle. These names are generally based on client emotions and range from “malaise” to “exuberance”. Currently, we are in what we call the "investor complacency" phase.
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Is it best to contribute to your company sponsored 401k plan, a Roth IRA, or a personal brokerage account? The answer depends on many factors.
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Emotions can play a major role when it comes to investing. Understanding common investor biases can help prevent costly investment mistakes.
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