People are considered unengaged if, over the past two years, they have not made a fund exchange, sought guidance from a Fidelity representative, used online tools or updated how their contributions are invested, says Fidelity Investments vice president Jeanne Thompson.
If you are managing your own portfolio, "we recommend that once a year you do an annual checkup on your 401(k) and talk to someone or use some online tools just to make sure you are on track," Thompson says.
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People are considered "do-it-for-me' investors if they are using target-date funds (a fund that is managed based on the year people plan to retire) or professionally managed accounts based on their needs, she says.
People who do not have "the will, the skill or the time to manage their retirement investments might benefit more if they had professional management," Thompson says. "You have to turn your 401(k) into a retirement paycheck and small changes and keeping tabs on it can make a big difference in the long run."
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An increasing number of companies that offer Fidelity 401(k)s have an option for personalization through managed accounts, Thompson says. If your company doesn't offer that option, then you might want to visit a local branch of your 401(k) provider or call one of their phone representatives to discuss an investment strategy that works for you, she says.