Future Contribution Changes

February 1, 2023

Every month we review over 60 asset allocation categories.

We tell our clients to change their “Future Contributions”; which is money going into the 401k / 403b with each paycheck.

We look to find categories “on sale” (and expected to stay that way for 30 - 60 days).

Last month (January) was difficult for Future Contributions, because every category increased in value, with the exception of three:

  1. Utilities (-1.14%)

  2. Systematic Trend (-0.97%)

  3. Commodities - Broad Basket (-0.17%)

In fact, every category was up over 1% in January with the exception of the three above and these three:

  1. Consumer Defensive (0.63%)

  2. Ultrashort Bond (0.68%)

  3. Short Government (0.84%)

And there were even four categories that were up over 10%:

  1. Technology (10.47%)

  2. Equity Precious Metals (10.56%)

  3. Communications (11.26%)

  4. Consumer Cyclical (12.47%)

We saw last year’s “dog” (Technology) come roaring back in the first month of the new year. And the optimism pulled almost every category up for the month.

We will see if that optimism can persist after “the Fed” makes their decision on interest rates tomorrow (February 1st).

Making the assumption that interest rates will continue to go up, we have programmed our software to let all our clients know to change their “Future Contributions” to the following categories for the month of February:

  • Long Government

  • Real Estate

  • Technology

The exact funds to use and percentages for each have been uploaded to the Participant Dashboards for each of our clients. If you are a current client of ours, please log in to your Participant Dashboard to see your personalized advice.

If you are not a client of ours, please click the “Learn More” form above and we will get you information on how you too can have confidence in your plans!

Stay confident my friends!

-Kevin T Clark, RF


Kevin T Clark, RF™ is the CEO and Co-founder of Plan Confidence Corporation (PCC). Kevin is also an ERISA Nerd and one of only a hundred Dalbar certified Registered Fiduciaries (RF) in the United States. He has been helping hard working Americans invest their money for over 25 years!

PCC is an SEC registered investment firm specializing in providing advice to hard-working Americans investing in their employer’s retirement plans (401k, 403b, TSP, etc). K

Kevin Clark