Nowadays, employers
contribute retirement funds each year, and the employee takes
responsibility for investing.
Employer contributions
are in the form of 401(k)s. In the past, the employer would be
responsible for the management of the funds. The employee can add
personal investments to what the employer contributes.
The bottom line: The
employee today has to bear the investment responsibility.
So,
it’s important that you pay attention to a viable mix of possible
low-cost, diversified investment tools. ( See the Earl J. Weinreb
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