401(k) plan plan participants 1. I only need to contribute up to the maximum company match. plan sponsors stretching 2. It is OK to take a participant loan. horrible 3. Rolling a 401(k) account into an IRA is a good idea. bad 4. My 401(k) account is a good way to save for college, a first home, etc. 5. I should stop making 401(k) contributions when the stock market crashes. 6. Actively trading my 401(k) account will help me maximize my account balance. time 7. Indexing is always superior to active management index investing blend 8. Target-date funds are not good investments. target-date funds 9. Money market funds are good investments. rules 10. I can contribute less because I will make my investments will work harder. employee education This information was developed as a general guide to educate plan sponsors and is not intended as authoritative guidance, tax, legal or investment advice. Each plan has unique requirements and you should consult your attorney or tax adviser for guidance on your specific situation. In no way does Lawton Retirement Plan Consultants, LLC assure that, by using the information provided, plan sponsor will be in compliance with ERISA regulations. Investors should carefully consider investment objectives, risks, charges and expenses. The statements in this publication are the opinions and beliefs of the commentator expressed when the commentary was made and are not intended to represent that person's opinions and beliefs at any other time. The commentary does not necessarily reflect the opinion of Lawton Retirement Plan Consultants, LLC and should not be construed as recommendations or investment advice. Lawton Retirement Plan Consultants, LLC offers no tax, legal or accounting advice, and any advice contained herein is not specific to any individual, entity or retirement plan, but rather general in nature and, therefore, should not be relied upon for specific investment situations. Lawton Retirement Plan Consultants, LLC is a Wisconsin Registered Investment Adviser and accepts clients outside of Wisconsin based upon applicable state registration regulations and the "de minimus" exception.