Anne Tergesen

speaker

4,485 appearances 83 recordings 1 series first heard Jul 2017 last heard Feb 2025

Anne Tergesen’s voice in public audio — every appearance, attributed to the second.

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WSJ Your Money Briefing · Why You Shouldn’t Check Your 401(k) During a Bull Market · 22 Jun 2023 podcast

So it just kind of sets you up for temptation to do things that might end up being counterproductive. voice-verified

So, you know, I asked a bunch of people, behavioral economists and, you know, people who are experts on investing, how often do you guys check and how often should people check? voice-verified

And there is no simple answer. voice-verified

There's no simple rule of thumb. voice-verified

Some people, I mean myself, for example, I can't avoid checking because when I log on to another account, my health savings account that I often have to do sort of administrative things with, my 401k balance is linked to it. voice-verified

So it's just right there for me to see it. voice-verified

I try not to look. voice-verified

I try not to have it register in my brain. voice-verified

But there's a researcher who's really quite influential in the retirement space. voice-verified

He says he checks once a year. voice-verified

Once a year, he will go through and he will check all of his accounts and he will write down the balance. voice-verified

And it's a way for him of keeping track of where he stands. voice-verified

Someone else I spoke to said she just kind of checks occasionally. voice-verified

Most people seem to agree that maybe checking four times a year at most is kind of what they would recommend. voice-verified

And if you can prevent yourself from checking more than once a year, then that's probably even better. voice-verified

I mean, as you get closer to retirement, people tend to check more and often for good reason because they really have to figure out, OK, I'm thinking about retiring. voice-verified

Can I actually afford to do this? voice-verified

If you find yourself checking out of an anxiety type of reaction or just sort of mindlessly, you should probably ask yourself, what is it that you really want? voice-verified

What are you really trying to accomplish by looking? voice-verified

If you just looked two days ago, what are you trying to accomplish by looking again today? voice-verified

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