Knowledge is power.
We empower our clients.

Get Started Now
<< Back to Helpful Tips

3 Questions to Ask When Investing Your 401(k) Funds

For many investors, 401(k) and 403(b) plans are important to their long-term retirement strategy. Even during times of market volatility, the vast majority of workers continue to contribute. In fact, during the financial crisis of 2008, of more than 22 million defined contribution accounts, approximately 96% of participants still contributed.1

While maintaining regular contributions is key, investors should also consider if they are investing the funds to achieve the best long-term outcomes. Here are some questions to help you with that endeavor:

  1. How often are you changing allocations?
    Some investors take a “day trading” approach, buying and selling stocks or mutual funds based on short-term returns. They often find themselves chasing performance, changing allocations from an underperforming fund to a better short-term performer with the expectation that the strong performance will continue. Instead, consider a “set it and forget it” approach, buying a diversified mix of funds that fit your retirement goals and holding them for the long term.
  2. Are your investments too conservative?
    Many risk-adverse investors avoid stock funds and have a higher allocation to bond funds because of the short-term market volatility. However, stocks have historically provided higher returns compared to bonds and, therefore, provide valuable appreciation over time. Make sure your retirement account isn’t too conservatively structured. Consider your individual factors, including age, risk tolerance, and long-term goals, and allocate accordingly.
  3. Are you unsure about how to invest?
    Depending on the number of plan options and investment strategies offered in your 401(k) or 403(b), selecting investments can be a daunting task. Your Jemma Financial Advisor can help you make your selections based on your overall portfolio, including your taxable accounts and Individual Retirement Accounts (IRAs).

Let Jemma Financial help you build a personalized “set it and forget it” investment plan today.

We are here—by phone, video, or email—to answer your questions and help you with your long-term financial goals.

1 Investment Company Institute

Log In to Your Existing Account Get Started Now

Need assistance? Call 855.662.2121 or email info@jemmafinancial.com

You are now leaving Jemma Financial

Yes, I would like to leave No, I would like to stay

Important Notice

You are now leaving the Jemma Financial Services website and will be entering the Charles Schwab & Co., Inc. (“Schwab”) website.

Schwab is a registered broker-dealer, and is not affiliated with Jemma Financial Services or any advisor(s) whose name(s) appear(s) on this website. Jemma Financial Services is/are independently owned and operated. [Schwab neither endorses nor recommends {Name(s) of Investment Management Firm(s)}, unless you have been referred to us through the Schwab Advisor Network®. (This bracketed language is for use by Schwab Advisor Network members only.)] Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with “Name(s) of Firm(s)” under which Schwab provides Jemma Financial Services with services related to your account. Schwab does not review the Jemma Financial Services website(s), and makes no representation regarding information contained in the Jemma Financial Services website, which should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.

IMPORTANT NOTICE

You are now leaving the Jemma Investment Advisors, LLC Website and will be entering the Charles Schwab & Co., Inc. ("Schwab") Website. Schwab is a registered broker-dealer, and is not affiliated with Jemma Investment Advisors, LLC, or any advisor(s) whose name(s) appears on this Website. Jemma Investment Advisors, LLC is independently owned and operated. Schwab neither endorses nor recommends Jemma Investment Advisors, LLC. Regardless of any referral or recommendation, Schwab does not endorse or recommend the investment strategy of any advisor. Schwab has agreements with Jemma Investment Advisors, LLC under which Schwab provides Jemma Investment Advisors, LLC with services related to your account. Schwab does not review the Jemma Investment Advisors, LLC Website, and makes no representation regarding the content of the Website. The information contained in the Jemma Investment Advisors, LLC Website should not be considered to be either a recommendation by Schwab or a solicitation of any offer to purchase or sell any securities.

Continue to Schwab

This will close in 0 seconds