FAQ
WHAT IS 401kinvesthelp?
401kinvesthelp.com is a weekly financial publication delivered via email and through a portal on the site. This site is about providing guidance for individual 401k plan and other retirement plan investors an opportunity to profit from investing in various financial markets. The 401kinvesthelp sytem utilizes two individual indicators that many Wall Street professionals use in their own practices. By following the investment “signal” derived from these indicators, an individual may now be equipped with the tools needed to make a more informed decision while investing. History tells us that approximately 80% of professional money managers fail to produce results that are greater than their comparable benchmark. History also tells us that most investors will have to suffer sometimes prolonged periods of investment loss in order to reap long term (20+ year) gains in their investment portfolios.
WHY SPEND YOUR TIME PUBLISHING A WEBSITE?
401k and other retirement plans are for the most part “self-directed,” meaning it’s up to the individual to make the investment decisions rather than the ”financial advisor” representing the firm. It is the desire of 401kinvesthelp.com to assist individuals in their quest to safely save for retirement and maintain those savings. While 80% – 90% of individual mutual fund managers in any given time frame perform worse than their underlying benchmark, investors themselves fair much worse. It is my hope to educate and provide more useful information to subscribers. Taking it one step further, many individuals also need someone to invest their retirement funds for them once they retire or should they change employment, a personal contact familiar with the industry. As a successful investment advisor myself in the state of Michigan, I am in a position to be of help at this stage of investing. Please refer to the ROLLOVER TAB on the right side of each page for further information.
DO YOU SELL VISITOR’S NAMES AND E-MAIL ADDRESSES?
Absolutely not. Information gathered from newsletter subscriptions and subscribers is never shared with any third parties, and you should never receive emails from any source other than 401kinvesthelp.com.
IS WHAT YOU’RE OFFERING MARKET-TIMING?
Those that have been brainwashed into thinking “buy and hold” is the only way to profit in the market might say so, but what this site is about is more along the lines of “buy and be smart.” Timing the market is nearly impossible, or at least tough to replicate consistently. Using non-emotional exit and entry strategies that require virtually no human element is just plain smart, but is not the definition of market-timing. Market-timing is typically done with one asset or asset class and market-timers attempt to profit from the short-term price variations. The key word is “short-term.” Having a strategy that is designed to take emotion out of the decision, for periods of months or years, while looking at the overall economy as a proxy would be considered to be wise.
WHAT IS A BENCHMARK?
A benchmark is a point of reference for which something can be measured. There are literally hundreds of benchmarks within the financial world. The S&P 500, for instance, is a benchmark for most mutual funds that invest in Large Company Stocks. A comparison is usually derived using the performance of that benchmark compared to the perfomance of the mutual fund due to the fact that the benchmark is unmanaged, while the mutual fund has a money manager.
IS THIS GOING TO TAKE MUCH OF MY PERSONAL TIME?
It is comparable to doing nothing. Managing your assets takes more time than ignoring them, and you should include your time when you’re considering the costs of your investment program. Frankly, if you hate paying attention to your finances, managing money probably isn’t for you. 401kinvesthelp.com tries to minimize the effort on your part required to implement it; it will not reduce the effort completely. 401kinvesthelp is not a daily-timing model. It is run weekly, not daily, so you only have to check it once a week. When there is a recommended change, 401kinvesthelp.com will alert you via email; however, we recommend checking the site as well, in the event your email systems are down. All together, using this system should take no more than a few hours per year. Well worth the time considering the potential results. Although it will take minimal effort on your part, the systems are working consistently in your behalf.
IS THE 401kinvesthelp.com SYSTEM EVER WRONG?
YES! Expecting otherwise, and/or believing those who purport not to be wrong at times is foolish. That is precisely why we use three indicators rather than one. This is also why we prefer emotion-free investing. Be cautioned though, sometimes the indicators may give what APPEAR to be a short-term false signal when, in reality, it’s the volatility of the markets that make it seem so. Each indicator is designed to confirm the other; therefore, when one indicator gives a signal, usually the others will confirm in short order. Decisions are made utilizing all three, not one.
