{"id":23107,"date":"2024-06-05T09:08:21","date_gmt":"2024-06-05T14:08:21","guid":{"rendered":"https:\/\/dsb-rockisland.com\/wealth-management-and-planning\/?p=23107"},"modified":"2025-03-18T19:08:01","modified_gmt":"2025-03-19T00:08:01","slug":"an-investing-decision-not-made-is-still-a-decision","status":"publish","type":"post","link":"https:\/\/dsb-rockisland.com\/wealth-management-and-planning\/wealth-management-planning\/an-investing-decision-not-made-is-still-a-decision\/","title":{"rendered":"An Investment Decision Not Made Is Still a Decision"},"content":{"rendered":"\n

Whether through inertia or trepidation, 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.”<\/p>\n\n\n\n

This investment inaction is played out in many ways, often silently, invisibly, and with potential consequences to an individual\u2019s future financial security.<\/p>\n\n\n\n

Let’s review some of the forms this takes.<\/p>\n\n\n\n

Your 401(k) Plan<\/h3>\n\n\n\n

One of the worst investing 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. But under the SECURE 2.0 Act, employers will be required to automatically enroll employees in retirement plans starting in 2025.1<\/p>\n\n\n\n

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\u2019s time horizon, risk tolerance, and goals.<\/p>\n\n\n\n

In most circumstances, 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, and if taken before age 59\u00bd, may be subject to a 10 percent federal income tax penalty.<\/p>\n\n\n\n

Non-Retirement Plan Investments<\/h3>\n\n\n\n

For homeowners, “stuff” just seems to accumulate over time. The same may be true for investors. 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\u2019s 401(k) plan.<\/p>\n\n\n\n

Over time, we can end up with a collection of investments that may have no connection to our investment objectives. Because of the dynamics of the markets, an investment that may have once made good sense at one time may no longer be advantageous today.<\/p>\n\n\n\n

By not periodically reviewing what we own, which would allow us to cull inappropriate investments \u2013 or even determine if the portfolio reflects our current investment objectives \u2013 we are making a default decision to own investments that may be inappropriate.<\/p>\n\n\n\n

Whatever your situation, your retirement investments require careful attention and may benefit from deliberate, thoughtful decision-making. Your retired self will be grateful that you invested the time \u2026 today. Reach out to one of our experienced financial advisors<\/a> for help navigating these investment decisions.<\/p>\n\n\n\n

Sources<\/h4>\n\n\n\n

1. Investopedia.com, January 6, 2023. 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.<\/p>\n\n\n\n

The content is developed from sources believed to be providing accurate information. The information in this material is not intended as tax or legal advice. It may not be used for the purpose of avoiding any federal tax penalties. Please consult legal or tax professionals for specific information regarding your individual situation. This material was developed and produced by FMG Suite to provide information on a topic that may be of interest. FMG Suite is not affiliated with the named broker-dealer, state- or SEC-registered investment advisory firm. The opinions expressed and material provided are for general information, and should not be considered a solicitation for the purchase or sale of any security. Copyright FMG Suite.<\/p>\n","protected":false},"excerpt":{"rendered":"

Explore the impacts of delaying important investment decisions in this insightful blog post. Discover how inertia can lead to missed opportunities in retirement planning,<\/p>\n","protected":false},"author":3,"featured_media":23108,"comment_status":"open","ping_status":"open","sticky":false,"template":"","format":"standard","meta":{"_acf_changed":false,"_kad_blocks_custom_css":"","_kad_blocks_head_custom_js":"","_kad_blocks_body_custom_js":"","_kad_blocks_footer_custom_js":"","_kad_post_transparent":"","_kad_post_title":"","_kad_post_layout":"","_kad_post_sidebar_id":"","_kad_post_content_style":"","_kad_post_vertical_padding":"","_kad_post_feature":"","_kad_post_feature_position":"","_kad_post_header":false,"_kad_post_footer":false,"_kad_post_classname":"","footnotes":""},"categories":[520,21],"tags":[437,277,302,305],"class_list":["post-23107","post","type-post","status-publish","format-standard","has-post-thumbnail","hentry","category-investing","category-wealth-management-planning","tag-investing","tag-personal-finance","tag-retirement","tag-retirement-planning"],"acf":[],"yoast_head":"\nAn Investment Decision Not Made Is Still a Decision - DSB Rock Island Wealth Management<\/title>\n<meta name=\"description\" content=\"Explore the impacts of delaying important investment decisions. 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