 The Answer is YES if You...
- Do not know or cannot find your 401(k) login information for your plan's website or call center
- Time is not something you have a lot of in your life, with kids, work, life, etc.
- Cannot remember the last time you rebalanced your portfolio
- Are invested 100% in the Money Market or Stable Value fund
- Invested multiple target date/retirement date funds (i.e. Fund 2020, Fund 2040, etc.)
- Consistently chase the "hot fund(s)"
- Always intend to research your funds and asset allocation, but life gets in the way
The Answer is NO if You...
- Consistently monitor the amount of risk you have within your portfolio
- Are invested 100% in an age-appropriate Target Date Fund
- Monitor your current allocation to Large, Mid, and Small Cap stocks, International stocks, Fixed Income and Cash
- Rebalance your portfolio regardless of your portfolio holdings' performance on a semi-annual or annual basis
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