The Frugal Fiduciary Blog

There are no “economies of scale” in 401k plans – unless you are trying to beat the market

Posted by Greg Carpenter on Dec 17, 2014

Any 401k plan sponsor in America – repeat ANY – can buy market returns dirt cheap. There are no economies of scale in the market for indexed investments. No minimum purchase requirements. No high pressure sales pitches. Buy an index mutual fund or ETF and you’ve locked in market returns. As I have written previously, this indexed approach is the new baseline for small business 401k plans.

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Topics: 401k plan sponsor, small business retirement plans, low cost 401(k) plan, index funds, 401k blog, ETF, Multiple Employer Plans, small business 401k, 401(k), recordkeeping

Here’s how our small business 401k plan clients use low-cost investments. Not the conventional wisdom. Part 2 of 3

Posted by Greg Carpenter on May 13, 2014

Small Business 401k Plan & Unconventional Wisdom
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Topics: 401(k) Investments, 401k blog, ETF, Vanguard 401k, Target Date Funds, 401(k), tax benefits

Guess what percentage of ETF assets are actively managed?

Posted by Greg Carpenter on Oct 8, 2013

ETF Assets
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Topics: 401k blog, ETF, 401k fees, Fee Disclosure

The ETF moment?

Posted by Greg Carpenter on Jul 10, 2013

Image courtesy of cooldesign at
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Topics: 401k blog, ETF, 401(k)

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“We want you and your employees to have a successful plan.” Greg Carpenter, CEO of Employee Fiduciary, explains how low fees help keep your money in the market, working for you.

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