Your 401(k) may be invested in a fund you never picked

Signing up for a workplace 401(k) plan helps you build retirement savings efficiently. With a traditional 401(k), contributions are made on a pretax basis, and investment gains are then tax-deferred, which means there’s no yearly tax bill to pay. Roth 401(k)s are funded, meanwhile, on an after-tax basis, but investment gains and withdrawals are tax-free.In either case, your money needs to grow in accordance with your needs, and that means you need to choose the right investments. On a broa