CNBC Poll: Does Your 401(k) Plan Have Enough Investment Options?
When it comes to preserving your retirement nest egg, you certainly don't want it all in one basket.
Diversity, say investment professionals, is key to building a healthy portfolio. The old asset allocation model of stocks, bonds and cash is now largely inadequate. Now, real estate and commodities are considered important assets, as well.
Some company 401(k) retirement plans have changed with the times, allowing investors to dabble in goldor crude oil plays, real estate investment trusts, REITS and Treasury Inflation Protected Securities, TIPS.
Other plans, however, have not, which makes it hard for savers to ride out volatility and offset losses in one asset class with gains in another.
In cases like this, some savers look outside their plans for investment opportunities.
So, tell us. Does your 401(k) provide enough investment choice?