138 | Limited Options

How can the specific investments be the linchpin to personal financial health when workplace retirement plans are typically limited to 15 or 20 fund options?

Of the more than 15,000 funds available, each workplace plan has 0.001% of the fund universe available to its participants.

As a society, I just don’t think we’ve settled for a random assortment of subpar investments for the $26 trillion dollars that sit across 80 million individual’s accounts.

That would be an enormous number of folks asleep at the wheel or an epic orchestration by the investing Illuminati to keep lay people away from the good stuff.

Not to get carried away jumping to conclusions, but limited options also feel like a hint that limited tweaking might be a reasonable investment strategy too.