401(k) Investing Explained: Portfolio Construction, Diversification & Target Date Funds скачать в хорошем качестве

401(k) Investing Explained: Portfolio Construction, Diversification & Target Date Funds

Choosing investments inside your 401(k) doesn’t have to be complicated, but for many people, it feels overwhelming. In this video, we break down how we actually approach portfolio construction for real people, using a recent client question as the starting point: 👉 “Why did you choose these funds for my 401(k)?” You’ll learn: Why investing is about using the right tools for the right goal How time horizon drives portfolio decisions The role of stocks vs. bonds in long-term retirement accounts Why chasing recent performance often backfires What diversification really means inside a 401(k) How to think about index funds vs. actively managed funds When target date funds make sense and when they don’t Why “doing less” is often the best investment strategy We also walk through how portfolios naturally evolve through the accumulation, transition, and income phases of investing, and how target date funds fit into that framework. This conversation is especially helpful if you: Feel overwhelmed by the investment choices in your 401(k) Are early or mid-career and focused on long-term growth Want a simple, thoughtful framework instead of guesswork Are trying to balance growth, risk, and peace of mind 📘 Bonus: We reference the book Financial Success for the Rest of Us, which goes deeper into portfolio construction and investment decision-making for people who want clarity without complexity. (https://a.co/d/avqxrDV) As always, this is educational content, not individualized investment advice. If you have questions about your own situation, working with a Certified Financial Planner® can help bring everything together. Visit us at https://dorvalchorne.com Disclosure: This video is for educational and informational purposes only and is not intended as investment, tax, or legal advice. The information discussed is general in nature and may not be applicable to your individual financial situation. Investing involves risk, including the potential loss of principal. Past performance is not indicative of future results. Before making any financial decisions, consider consulting with a qualified financial professional who can evaluate your specific goals, time horizon, and risk tolerance. Advisory services through Dorval & Chorne Financial Advisors.