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We call this product the Owl 401k Guide, but the product can be used to help manage other different types of tax deferred accounts. These tax deferred accounts have many names and were created for specific individual needs. Some of these tax deferred accounts are: 401k, 403b, 457, Thrift Savings Plans (TSP), Simple Employee Pension (SEP), KEOGH, College 529 Plans, and Tax Sheltered Annuity (TSA).

Benefits of Tax Deferred Accounts
The Owl 401k Guide was designed for investors who are building assets in their personal tax deferred accounts. This product can benefit those who choose from stock mutual funds, stock index funds, bond funds, or money market positions.

Tax deferred accounts are likely to be one of your most effective and efficient ways to save and grow assets. The major benefit of tax deferred accounts are that your contributions grow without being taxed. Secondly, sometimes your employer will match some of your contributions. Thirdly, sometimes you can make pre-tax contributions.

Benefits of Owl 401k Guide
By demonstrating our Owl 401k Guide we can help you answer two critical questions impacting the growth of your tax deferred assets. Most critically, which Macro Investment Group should you be investing in? Stated simply, should you be focused in common stocks, bonds, or cash?

The essence of successful investing is to buy into a Macro Investment Group when it is undervalued and sell when it is fully valued. For example, let's look at a historical chart of the S&P 500 . Focus on the three years from 2000 through 2002. You can see that common stocks peaked in 2000 and then steadily decreased in value. Now find the chart on interest rates, represented by US Treasury Yields Index. When interest rates decline, a bond's value usually increases. So in the 2000 to 2002 time period, if you would have owned more bonds your asset base probably would have grown. In addition, you would have gained from the dividends from the bonds. Even having your money in cash, growing at 2% per year, would have led to a better outcome than owning common stocks.

Secondly, if you are intending to invest in the stock market, then we should ask which Sector and what Style could provide better opportunities to grow your asset base? When we speak of Sector we mean major areas of our economy such as Financial, Healthcare, Industrial, Energy, Technology, etc. When we say Style we are referring to Value versus Growth, and Small Capitalization versus Large Capitalization.

The most critical decision one makes in investing is to correctly select your primary Macro Investment Group. The Owl 401k Guide was designed to guide you through this asset allocation process. Many gray haired experts believe that 70% to 80% of your total investing returns will be determined solely by the quality of the choices you make in this Macro Investment Allocation Process.

Click here for our Owl 401k Guide Results. To order our products go to our Order Form .