Not a great selection to choose from. A lot like my 401K choices actually - I have more choices, but they are basically more of the same (plus some CD-like options). Still no sector funds or anything like that.(Oh, I do have the option of paying an extra annual fee for a "BrokerageLink" account... but it isn't a stock brokerage, it's a mutual fund brokerage. And while I would get a lot more mutual funds to choose from, all the other rules and restrictions would remain the same.)The way I manage my 401K is that every month I divide my money equally among the funds that have had the best performance over the prior three months.The number of funds I hold at any one time (currently three) is based on my account balance and dodging the restrictions the plan managers put in to try to discourage people from sensibly seeking short-term high profits inside a tax shelter. Sometime next year my balance probably will hit the point where equal amounts in three funds puts me over a limit, and I'll have to revise things in some way.YTD to Sept 30 (my most recent statement) I was up 17.07%.The three funds on the list which did the best YTD to Sept 30 (looking *backward* at the results) all did better than that... but the fourth did not.
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