401 (k) Retirement Plans

                  

Employers under 401(k) programs just contribute retirement funds each year;  the employee takes responsibility for his or her investing.

                       

Employer contributions are usually in the form of such 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 NewsHole® comments and @BusinesNewshole at Twitter.)