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401(k) Investments

BlackRock LifePath index funds are the default investment option for your 401(k) account. If you prefer to build your own portfolio, DMBA has a lineup of various investment funds to choose from.


FAQs

What is a BlackRock LifePath index fund?
These target date index funds are designed to take an appropriate level of risk depending upon your age and length of time until retirement. You are defaulted to the fund closest to the year you will turn 65. The fund moves to a more conservative position as you near retirement.

What is the expense ratio within the BlackRock LifePath Index Funds?
These funds have an expense ratio of around .05%, which is very low and typical of passive index funds.

Does DMBA charge a fee for managing the accounts?
Yes. DMBA charges $5 per quarter or $20 per year.

Should I change in and out of the funds when the market goes up and down?
No. Historically, staying invested in a diversified portfolio during good and bad times has brought better returns than trying to time the market. When you jump in and out of the market, you may miss the best days when the market rebounds.

Where can I learn more about my 401(k) investment choices?
Investment options in your 401(k) are carefully selected. Go here to learn more about your Investment Options and Blackrock’s Lifepath Target Date Asset Allocations.

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