Kiplinger.com- July 8, 2025  Kiplinger recently featured David A. Schneider, CFP® in its article “Don’t Let a ‘Clunker’ Fund Drag Down Your 401(k).” The article explains how underperforming or overpriced funds in a retirement plan can quietly erode investors’ long-term returns.

Mr. Schneider shared, “What we generally try to do is stock the 401(k) with lots of good, low-cost investment options, so that employees aren’t going to be choosing from a rogue’s gallery.” He added, “I tell clients that a good 401(k) is going to offer the essential building blocks for a well-diversified, all-weather portfolio, not just funds that have done well in recent years. A fund, however, does not have to be a pure index fund to be a worthwhile investment, but costs matter. If you look at the expense ratio of the fund, that’s going to tell you a lot.”

The article is a timely reminder that investors should review the options in their retirement plans, look beyond past performance, and pay attention to fees.

This material should not be construed as investment advice, a solicitation, or a recommendation to buy or sell any security or investment product. Investments are subject to risk, including the loss of principal. Some investments are not suitable for all investors, and there is no guarantee that any investing goal will be met. Past performance is no guarantee of future results. Talk to your financial advisor before making any investing decisions. The views and opinions expressed by others quoted in this article represent their own and are not endorsed by David Schneider or Commonwealth.

Please consider the investment objectives, risks, charges, and expenses carefully before investing. The prospectus, which contains this and other information about the mutual fund, can be obtained from your financial professional. Be sure to read the prospectus carefully before deciding whether to invest.

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