FMD Capital Management

Posts Tagged: 401k

Why You Need To Start Your 401k Now, Not Later

Written by David Fabian, June 07th, 2017

The transition of moving from a student into the work force can be an intimidating phase of your life.  Not only do you now have to learn new skills and apply problem solving habits honed through your course work, but you must also make important decisions that will impact your life for decades to come.  Much of that has to do with how you handle your money and what you value as an individual. Read more

Don’t Leave Your Old 401(k) Behind!

Written by David Fabian, August 22nd, 2016

I recently went to an early pre-season NFL football game in Los Angeles with my best friend from college.  During the course of the game, he filled me in on the latest ins and outs of his life.  This included the fact that he purposefully left his old job, took a sabbatical for several months, and is now looking to re-enter the workforce.  We talked about the opportunities he is exploring and it gave me the chance to ask him what he has done with his legacy 401(k) from his old job. Read more

Good Riddance To Target Date ETFs

Written by David Fabian, April 27th, 2015

About 8 months ago, Blackrock announced it would be shutting down its line of target date ETFs.  Now, Deutsche Asset & Wealth Management has declared it is pulling the plug on the last lineup of target date ETFs available to U.S. investors.

I say – good riddance.   Read more

Dollar Cost Averaging: Should You Bother?

Written by David Fabian, April 23rd, 2015

Dollar cost averaging is a long-held investment thesis that states you should consistently buy shares of a security in equal amounts, regardless of its current price. This will allow you to purchase more shares of an investment at low prices and fewer shares at high prices. The net effect is a steady averaging of your cost basis over multiple months and years, which (it is assumed) will allow you to participate in stable growth. Read more

What To Do When Your 401(k) Doesn’t Offer ETFs

Written by David Fabian, March 06th, 2014

I often get asked by clients what the best options are for them to choose in their 401(k) when they are limited to a small subset of mutual funds.   Often times they want to participate in a similar investment strategy as the ETFs that we have selected for them, but don’t want to be saddled with the high fees and limited transparency that traditional mutual funds impose.  Read more