How Diversified is Your Retirement Plan at Work?

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How diversified is your retirement plan at work? Do you have good options when it comes to saving for retirement? If you don't have good investment options, find out if you have a self-directed brokerage option.

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How Diversified is Your Retirement Plan at Work?

  1. 1. Mullooly Asset Management Podcast September 25, 2013 Mullooly Asset Management September 2013
  2. 2. Types of Accounts You Might Have  401k account  403b annuity  Section 457 Deferred Compensation Mullooly Asset Management September 2013
  3. 3. Characteristics  Most have a menu of mutual funds  Many plans give 10-20 choices Take note of:  How many small-cap, mid-cap, international funds? Mullooly Asset Management September 2013
  4. 4. What You Will Notice  Large percentage of choices will be: - Large-cap funds - Asset allocation/lifestyle funds Problem:  Not enough diversification  Many funds overlap Mullooly Asset Management September 2013
  5. 5. A Lot of Options  Some plans have 50 choices or more  Can be too much for individuals to manage Self-Directed Brokerage Option (SDBO) Self-Directed Brokerage Account (SDBA) Mullooly Asset Management September 2013
  6. 6. Most Important Factors  Knowing whether market is on offense or defense  Whether to be aggressively investing or conservative This is where point and figure charts really help! Mullooly Asset Management September 2013
  7. 7. None of the securities mentioned in this (or any) podcast or video represent past specific recommendations of Mullooly Asset Management. This video is NOT a recommendation to buy or sell any of the securities mentioned here. If you’re relying on a podcast for investment advice, you are likely making a huge mistake. We strongly urge our listeners to consult with their investment advisor before they make a decision to buy or sell any investment. Mullooly Asset Management September 2013
  8. 8. Mullooly Asset Management, LLC support (at) mullooly (dot) net 732-223-9000 www.mullooly.net Mullooly Asset Management September 2013

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