Message Boards Digest

August 17, 2020

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AlohaGuy created a topic in 401(k) Plans

Which 401(k) Self-Directed Investment Fund Should I Choose, and Why Is It Important?

"I am a newbie to 401K plans and I'm just beginning to understand the basics. I have a 401K with Wells Fargo through my employer. Employer matches 100% for the first 3% and 50% for the next 2%. 100% of my account balance is allocated to State Street Target Retirement 2050 I understand how the contribution part works, but I'm confused about the fund (State Street Target Retirement 2050 P SSDLX). Wells Fargo lets me choose which fund to invest in. But I don't understand the "investing" part. My 401K plan does not give me any dividends, so why would it matter which fund I choose? Does my 401K increase or decrease based on the performance of the SSDLX? If yes, how and where would I be able to see those earnings or losses in my statement? Is there a minimum balance in my account that is protected no matter how the SSDLX performs?"

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