Unraveling the 401(k) Fund

**Do you have questions about leaving money to your family?** Schedule a 15 Minute Retirement Check-Up Call with one of our retirement planners at [Merkle Retirement Planning](https://merkleretirementplanning.com/schedule-a-visit/).

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**ABOUT THIS VIDEO**

In this clip from Retiring Today with Loren Merkle, we dive into the workings of a 401(k) fund, revealing how you can use these funds to your advantage and have more control over your investments. Join Loren Merkle, Chawn Honkomp, and Molly Nelson as they discuss important retirement decisions and how to create a recession-resistant portfolio.

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**Creating a Recession-Resistant Portfolio with a 401(k) Fund**

Have you ever wondered how much control you have over your investment performance in a 401(k) plan? In this video, we peel back the layers to reveal what’s underneath the surface. Many people rely on default target date funds in their 401(k) plans without realizing the lack of diversification.

Most target date funds consist of multiple mutual funds, each invested in different sectors. While this may initially feel reassuring, it can leave you vulnerable in times of market volatility. For example, during a year where the NASDAQ is down 34% and the S&P 500 is down 20%, your 401(k) balance is likely to take a hit.

Diversification is key. While 401(k) plans offer limited diversification options, there is an alternative for those aged 59.5 or older. At this stage, you gain more control and can roll over your retirement balances into an IRA, opening up a world of investment options.

Using this newfound control, you can customize your portfolio to include alternative investments and commodities that align with your risk appetite and overall retirement plan. By selecting investments that best fit your needs, you can achieve a higher level of diversification tailored specifically to your situation.

It’s time to take control of your retirement. Discover how you can build a recession-resistant portfolio and make smart investment decisions. Watch this video now!

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Source:
– [Retiring Today with Loren Merkle](https://www.youtube.com/channel/UC3WFN1vzAwOAFBhE3p_6i5g)
– [Investopedia](https://www.investopedia.com/)

Do you have questions about leaving money to your family? Schedule a 15 Minute Retirement Check-Up Call with one of our retirement planners at https://merkleretirementplanning.com/schedule-a-visit/

ABOUT THIS VIDEO
In this clip from Retiring Today with Loren Merkle, we pull back the curtain and show you how a 401(k) fund works. Learn how to use these funds to your advantage and take control of your investments!

Loren Merkle, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®
Chawn Honkomp, CERTIFIED FINANCIAL PLANNER™, RETIREMENT INCOME CERTIFIED PROFESSIONAL®, CERTIFIED FINANCIAL FIDUCIARY®, CPA®
Molly Nelson, Host of Retiring Today with Loren Merkle

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#RetiringToday #ImportantRetirementDecisions #RetirementSuccess #RetirementPlan #RetirementDecision #retirementlife

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A professional advisor should be consulted before implementing any of the options presented. No content should not be construed as legal or tax advice. Always consult an attorney or tax professional regarding your specific legal or tax situation. Information in this video is not an offer to buy or sell. Case studies are for illustrative purposes only.