By Joseph Matthews Published 12:00 am EDT, Sunday, July 28, 2019 Joseph Matthews Joseph Matthews Photo: Contributed Photo Photo: Contributed Photo Image 1 of / 1 Caption Close Image 1 of 1 Joseph Matthews Joseph Matthews Photo: Contributed Photo MARKET MATTERS: Investing in your 401(k) 1 / 1 Back to Gallery For many people, the regular deduction from your paycheck for your 401(k) retirement fund can be little more than an afterthought, not unlike Social Security or Medicare, a necessary deduction that you won’t think about in depth for decades. But taking a laid-back attitude toward your retirement, regardless of how far off it may be, runs a serious risk of jeopardizing your … [Read more...] about MARKET MATTERS: Investing in your 401(k)
Stock market 401k investments
Nancy Tengler Special to USA TODAY Published 5:00 AM EDT Jul 23, 2019 I’ve said it a million times but I will say it again. Having any investment discipline is better than having none at all. The average individual investor follows trends. Which means they are often selling at the bottom and buying near the top. A 2010 study by Dalbar revealed that the average equity fund investor underperformed the Standard & Poor's 500 by a whopping 5.31% annualized over the previous 20 years. That’s real money. In my book "The Women’s Guide to Successful Investing," I devote an entire chapter to developing an investment discipline that meets your risk tolerance and personality biases. For example, I tend to be a late adapter – I have yet to establish a Netflix account – and I don’t like to pay up for stocks. These traits are consistent with the value investing style. Growth investors are early adapters and are … [Read more...] about 401(k) investing: Find your discipline and stick with it
Ken Fisher USA TODAY Published 7:01 AM EDT Jun 23, 2019 Making investments decision based on seasonal proverbs could squash your 401(k) retirement savings. U.S. stocks dropped more than 6% last month — their worst May since 2010 and second-worst since 1962. That sour four-week stretch seemed to prove the old adage, “Sell in May and go away.” But don’t let coincidence fool you. Markets don’t heed calendars. Seasonal myths like “Sell in May and go away” have lingered for eons. Bedfellows include “The January Effect,” which argues January’s returns (or its first few days) predict the year. Then comes the "Santa Claus Rally," which 2018 disproved, and “Financial Hurricane Season”— which supposedly means awful September and/or October returns. All of these proverbs work occasionally. None work often enough to help you. Sell in May at least started with logic. Its original name — … [Read more...] about Retirement savings: Stock market myths won’t help your 401(k)
Wall Street closed out a dismal, turbulent year for stocks on a bright note Monday, but still finished 2018 with the worst showing in a decade.After setting a series of records through the late summer and early fall, major U.S. indexes fell sharply after early October, leaving them all in the red for the year.The S&P 500 index, the market's main benchmark, finished the year with a loss of 6.2 percent. The last time the index fell for the year was in 2008 during the financial crisis. The S&P 500 also posted tiny losses in 2011 and 2015, but eked out small gains in both years once dividends were included.The Dow Jones Industrial Average declined 5.6 percent. The Nasdaq composite sank 12.2 percent.Major indexes in Europe also ended 2018 in the red. The CAC 40 of France finished the year down 11 percent. Britain's FTSE 100 lost 12.5 percent. Germany's DAX ended the year in a bear market, down 22 percent from a high in January and 18 percent from the start of the year."This has … [Read more...] about Whew! How’s that 401(k) doing? Stock markets close out turbulent 2018, worst showing in a decade
Adam Shell USA TODAY Published 10:11 AM EST Dec 12, 2018 Everybody’s heard of sticker shock. But what about account balance trauma? That’s a form of distress 401(k) savers with all their money invested in stocks will likely experience when they peek at their fourth-quarter account statements. If you've been watching the stock market slump in the final quarter of 2018, you know it’s been a dreary stretch. And that means you can’t dodge the financial pain — and the losses. By one estimate, the average 401(k) owner with 100 percent invested in U.S. stocks is currently sitting on a paper loss of $10,117 since the end of September. That rough approximation takes into account the 9.5 percent drop this quarter suffered by the Standard & Poor’s 500, an index of large U.S. stocks, and the record 401(k) average account balance of $106,500 at the end of the third quarter, according to Fidelity Investments’ analysis of its … [Read more...] about How does stock market drop affect my 401(k)?