没有做出的决定仍然是一个决定

无论是由于惰性还是由于恐惧, investors who put off important investment decisions might consider the admonition offered by motivational speaker Brian Tracy, "Almost any decision is better than no decision at all."

This investment inaction is played out in many ways, 经常默默地, 不可见, and with potential consequences to an individual’s future financial security.

Let's review some of the forms this takes.

你的401(k)计划

One of the worst decisions may be the failure to enroll. Not only do non-participants miss out on one way to save for their retirement, but they also forfeit any potential employer-matching contributions. Not participating can be a costly decision. 但是在SECURE 2下.0的行为, employers will be required to automatically enroll employees in retirement plans starting in 2025.¹

The other way individuals let indecision get the best of them is by not selecting the investments for the contributions they make to the 401(k) plan. When a participant fails to make an investment selection, the plan may have provisions for automatically investing that money. And that investment selection may not be consistent with the individual’s time horizon, 风险承受能力, 和目标.

在大多数情况下, you must begin taking required minimum distributions from your 401(k) or other defined contribution plan in the year you turn 73. Withdrawals from your 401(k) or other defined contribution plans are taxed as ordinary income, 如果在59岁半之前服用, may be subject to a 10 percent federal income tax penalty.

非退休计划投资

For homeowners, "stuff" just seems to accumulate over time. 投资者可能也是如此. Some buy investments based on articles they have read or based on the recommendations of a family member. Others may have investments held in a previous employer’s 401(k) plan.

随着时间的推移, we can end up with a collection of investments that may have no connection to our investment objectives. 因为市场的动态, an investment that may have once made good sense at one time may no longer be advantageous today.

不定期回顾我们拥有的东西, which would allow us to cull inappropriate investments – or even determine if the portfolio reflects our current investment objectives – we are making a default decision to own investments that may be inappropriate.

无论你的情况如何, your retirement investments require careful attention and may benefit from deliberate, 深思熟虑的决策. Your retired self will be grateful that you invested the time … today.

1. Investopedia.2023年1月6日. The auto-enroll feature does not apply to companies with 10 or fewer employees. Also, new companies in business for less than three years are exempt from the rule.

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