Guidelines for Building a Diversified 401k Portfolio
Craig Israelsen Overview:
Assembling a truly diversified 401k portfolio is more than simply cobbling together 5 or 6 mutual funds. True diversification involves selecting mutual funds that focus on different types of “asset classes”. This webinar helps investors recognize-and then wisely utilize-the different asset classes available to them in their 401k account.
Why you should Attend:
401k participants often select redundant mutual funds in their 401k accounts. Doing so works against the goal of building a diversified 401k portfolio because it makes the portfolio “one dimensional” and unnecessarily vulnerable to market drops.
This webinar will review the important characteristics of a diversified 401k portfolio and how any person can make their 401k portfolio more stable.
Areas Covered in the Session:
- Review of historical returns for various asset classes
- How the performance of various asset classes is correlated (historically)
- Performance of various 401k portfolios based on different asset allocation models
- Risk comparison of a poorly diversified 401k portfolio against a well diversified 401k portfolio
- Examples of well diversified 401k portfolio using actual funds from Vanguard and Fidelity
Who Will Benefit:
- Any Person with a 401k Account
Speaker Profile
Dr. Craig L. Israelsen holds a Ph.D. in Family Resource Management from Brigham Young University. He received a B.S. in Agribusiness and a M.S. in Agricultural Economics from Utah State University.
He taught at Brigham Young University for 9 years and at the University of Missouri-Columbia for 14 years. He now teaches as an Executive-in-Residence at Utah Valley University in the Personal Financial Planning Program.
Primary among his research interests is the analysis of mutual funds and the design of investment portfolios. He wrote a monthly research article for Financial Planning Magazine for over 20 years and is a regular contributor to Horsesmouth.com, Better Investing Magazine, and the American Association of Individual Investors Journal. His research has been published in the Journal of Financial Planning, Journal of Asset Management (U.K.), Journal of Performance Measurement, Asia Financial Planning Journal (Singapore), Journal of Family and Economic Issues, and Financial Counseling and Planning.
His research has been cited in the Christian Science Monitor, Wall Street Journal, Newsweek, Forbes, Smart Money Magazine, Kiplinger Retirement Report, Advisor Perspectives, Dow Jones Market Watch, Family Circle Magazine, and Bottom Line Personal.
Dr. Israelsen is also the developer of the 7Twelve Portfolio (www.7TwelvePortfolio.com) and the author of three books. His most recent book is titled "7Twelve: A Diversified Investment Portfolio with a Plan" (John Wiley & Sons, 2010).
He is married to Tamara Trimble. They have seven children. Hobbies include hiking, flower gardening, photography, and traveling. He competed in the Boston Marathon 5 times, but never won.