What a year! The “wealth effect” has certainly taking traction, as it was near impossible that participants didn’t make money unless they were in cash only or some Bond funds. When a market performance year like this happens, it’s tough to determine where the issues or dissatisfaction may be with your company 401(k) Plan. This is why it may be your fiduciary responsibility to perform an independent review. You should be doing this every 1-2 years anyway, as possible issues could be masked by a solid year in market returns.
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