As the glory days of free money come to an end (for now), we are fielding a lot of questions about how to protect investments in a down market. Since January, we’ve watched a steady decline, and even if you aren’t heavily invested in the stock market, you are being hit hard at the gas pump, in the grocery store, wherever you go – you name it, it’s unavoidable!  Today we’re talking about your 401k investment strategy and giving tips for riding out a bear market Target date funds have been getting some press lately thanks to a recent study by Bank of America. Unfortunately for target-date funds, this study is poking some holes in the fundamental way these funds operate. Bottom line, as an investor you should 1. know if your 401k uses target-date funds and 2. give us a call so we can help you analyze performance.