Participant Insights

Portfolio rebalancing, how to budget your money, what’s an HSA and who needs one? Preparing for retirement is hard. From personal finance basics to retirement planning and everything in between, we’ve got a few ideas to make life a little simpler. Contact MCF with any questions.

Financial Wellness

Navigating Market Volatility: MCF Participant Education Series

October 23, 2023 Investments

Join Retirement Planning Specialist and Financial Advisor, Hunter Nighbert as he shares insights into Navigating Market Volatility in this edition of MCF's Participant Education Series.

The Power of Staying Invested

August 29, 2023 Investments

Some investors try to “time” the market or buy and sell based on their guess about what the market will do next. By doing so, they often miss out on the best days. There is a big difference between investors who stayed in the market during volatile periods with those who only briefly left but missed some of the market’s best upswings.

When is Risk Too Much?

July 26, 2023 Investments

Asset allocation and diversification are key components of your portfolio. As you get closer to retirement, it becomes increasingly important to shift a portion of your portfolio to more conservative investments like highly rated bonds and cash. Read more to discover how you can diversify your assets to make the most of your retirement.

Weathering a Market Downturn - Near or During Retirement

June 29, 2023 Investments

When you are decades away from retirement, down markets may not feel like a big deal. However, a significant loss preceding or just after retirement is more likely to negatively impact the amount of income you will receive over the course of your retirement. Unlike losses that occur earlier in life, there isn’t the same opportunity to recover. Read more to discover how you can develop a long-term plan that’s built for good times and bad...

Hardship Distributions Costs & Penalties

June 5, 2023 Investments

When debating whether you need to take out a Hardship Withdrawal, there are some costs and penalties to consider. Qualified plans are intended for retirement savings; restrictions and penalties generally are imposed to discourage participants from jumping the gun and taking portions of their benefits while they are still employed.

Regret Aversion: Fighting Financial "FOMO"

September 6, 2022 Investments

Regret aversion is a construct in behavioral finance theory that suggests investing decisions are, at least in part, driven by fear of later regretting a “wrong” choice.