Are You Managing Your Own 401(k)?
Smart Strategies for Volatile Markets
By Independent Wealth Solutions | Encinitas, CA | https://independentwealthsolutions.com
Are you watching your 401(k) balance erode during 2025?
You’re not alone. Many self-managed retirement savers are feeling the stress of market swings — and wondering what to do next.
But here’s the good news: volatility doesn’t have to derail your retirement plan. In fact, it can offer smart opportunities — if you know how to respond.
Here are three timely strategies to consider:
1. Use Market Dips to Your Advantage (Without Tax Consequences)
One often-overlooked benefit of a 401(k) is that trades within the account aren’t taxed. This gives you flexibility during downturns.
💡 Pro Tip: Move a portion of your 401(k) into a money market fund when the market is high — then reinvest strategically when it dips. This is a disciplined way to “buy low” without triggering taxable events.
2. Increase Contributions in Volatile Times
It might feel counterintuitive, but times of uncertainty are some of the best times to increase your 401(k) contributions. Why?
Because your money buys more shares when prices are lower. This can improve your long-term return through dollar-cost averaging.
3. Take the Guesswork Out: Rollover and Let Us Help
Managing a 401(k) on your own can be overwhelming — and the stakes are high.
If you’ve left an old 401(k) behind or you're simply unsure how to actively manage your current one, consider a rollover to an IRA. Your team at Independent Wealth Solutions can take the reins and tailor an investment strategy to your unique goals and risk tolerance.
Don’t just ride out the storm — take control of your financial future.
Schedule a free consultation today: Contact Us
