Retirement

The Clear Path to 40%-Plus Effective Return

By Charles Sizemore  |  October 9, 2018

Today I want to share with you what I reminded my Peak Income readers of last week about their 401k. It’s the most important thing I can tell you about boosting your 401k… 

You might not know this, but I’m a regular W2 employee at Dent Research.   

My publisher is more like a partner than a boss, but I get paid every two weeks via a good, old-fashioned paycheck (technically a direct deposit, if you want to split hairs).

As an employee, I get the same basic 401k plan that you do, with the same very conventional menu of mutual funds. The mutual funds available limit my investment returns, but as I’ve consistently emphasized in my work, the investment returns are only part of your total effective returns.   

And in my book, they’re the least significant part.

Vastly more important to your long-term financial health are the tax breaks and employer matching.   

I talk about this exact topic in a video I recorded last week that we posted to our The Rich Investor Facebook page.


 

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Charles Sizemore

Income and Retirement Strategist, Charles Sizemore, CFA specializes on dividend-focused portfolios and building alternative allocations by finding value opportunities outside of the mainstream stock market.

Charles is the executive editor and portfolio manager for Dent Research's premium newsletters, Peak Income and Peak Profits.

He is also a frequent guest on CNBC, Bloomberg TV, Fox Business News and Straight Talk Money Radio, and has been quoted in Barron’s Magazine, The Wall Street Journal, and The Washington Post. He is a frequent contributor to Forbes, GuruFocus, MarketWatch and InvestorPlace.com.

Charles holds a master’s degree in Finance and Accounting from the London School of Economics in the United Kingdom and a Bachelor of Business Administration in Finance with an International Emphasis from Texas Christian University in Fort Worth, Texas, where he graduated Magna Cum Laude and as a Phi Beta Kappa scholar. MORE FROM AUTHOR