Seventy-nine percent of Americans have access to an employer-sponsored 401(k) plan. We understand — rationally — the need to put money aside now to prepare for the future.
We’ve seen the compound growth charts, and heard that even a tiny investment today is better than nothing; it will grow dramatically over time. There may be ups and downs, but with a longer time horizon, you’re more likely to profit from those ups and downs than if you wait to invest.
We know this, right? It makes sense?