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	<title>The 401(k) Fiduciary Advice Blog &#187; 401k investor help</title>
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	<link>http://bemanaged.com/blog/</link>
	<description>401(k) Participant Advice Best Practices for Employers and Advisors, 401(k) Investing Tips and Insight for 401(k) Investors</description>
	<lastBuildDate>Fri, 03 Sep 2010 18:34:46 +0000</lastBuildDate>
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		<title>BeManaged September ‘10 Research Newsletter &#8211; Safety Prevails</title>
		<link>http://bemanaged.com/2010/09/03/bemanaged-september-e2809810-research-newsletter-safety-prevails/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=bemanaged-september-%25e2%2580%259810-research-newsletter-safety-prevails</link>
		<comments>http://bemanaged.com/2010/09/03/bemanaged-september-e2809810-research-newsletter-safety-prevails/#comments</comments>
		<pubDate>Fri, 03 Sep 2010 18:31:21 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k fiduciary]]></category>
		<category><![CDATA[401k help]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[BeManaged Newsletter]]></category>
		<category><![CDATA[John Whaley]]></category>

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		<description><![CDATA[The following are some topics covered in this month's Research Newsletter from John Whaley, CFA, AIF, Director of the BeManaged Research Department.

Bonds Remain Asset Class of Choice
FDIC Quarterly Bank Profile Provides Positive News
What to Make of Consumer Spending Trends]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/09/03/bemanaged-september-e2809810-research-newsletter-safety-prevails/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>It&#8217;s Official &#8211; We Are Finally BeManaged.com</title>
		<link>http://bemanaged.com/2010/08/27/its-official-we-are-finally-bemanaged-com/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=its-official-we-are-finally-bemanaged-com</link>
		<comments>http://bemanaged.com/2010/08/27/its-official-we-are-finally-bemanaged-com/#comments</comments>
		<pubDate>Fri, 27 Aug 2010 22:00:41 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k fiduciary]]></category>
		<category><![CDATA[401k help]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[BeManaged Newsletter]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/08/27/its-official-we-are-finally-bemanaged-com/</guid>
		<description><![CDATA[Here's a suggestion to businesses...get your business name correct from the get go. Just sayin'. Rebranding is a big job, even for small businesses such as us. That being said, the transition is complete as we have finished the migration to BeManaged.com (we think, anyway). Any links you have bookmarked should still come to our site or the appropriate file. We apologize if you have experienced any confusion or issues over the past few weeks.]]></description>
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		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>5 Reasons NOT to Tap Into Your 401(k)</title>
		<link>http://bemanaged.com/2010/08/24/5-reasons-not-to-tap-into-your-401k/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=5-reasons-not-to-tap-into-your-401k</link>
		<comments>http://bemanaged.com/2010/08/24/5-reasons-not-to-tap-into-your-401k/#comments</comments>
		<pubDate>Tue, 24 Aug 2010 19:02:02 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k help]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment education]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/08/24/5-reasons-not-to-tap-into-your-401k/</guid>
		<description><![CDATA[Times are tough. People are over-extended. Sometimes desperation can lead us to consider our 401(k) as a savings account that could save the day. Our 401(k) should be the LAST option for cash. Here are five reasons reinforcing why this is a really bad idea, straight from CBS MoneyWatch's "Evil HR Lady", Suzanne Luc]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/08/24/5-reasons-not-to-tap-into-your-401k/feed/</wfw:commentRss>
		<slash:comments>3</slash:comments>
		</item>
		<item>
		<title>Annual Dalbar Study Shows Investors Are Still Behaving Badly</title>
		<link>http://bemanaged.com/2010/08/09/annual-dalbar-study-shows-investors-are-still-behaving-badly/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=annual-dalbar-study-shows-investors-are-still-behaving-badly</link>
		<comments>http://bemanaged.com/2010/08/09/annual-dalbar-study-shows-investors-are-still-behaving-badly/#comments</comments>
		<pubDate>Mon, 09 Aug 2010 14:26:14 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k help]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment education]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[Carl Richards]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/08/09/annual-dalbar-study-shows-investors-are-still-behaving-badly/</guid>
		<description><![CDATA[Dalbar releases an annual study gauging the impact of investor behavior on investors' long term portfolio returns. Our friend Carl Richards of BehaviorGap.com, writing for the NYTimes.com Bucks blog, illustrates the impact of investors' decisions on their long term portfolio performance via the findings of this year's study.]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/08/09/annual-dalbar-study-shows-investors-are-still-behaving-badly/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>401(k) Investing, Diversification and Asset Allocation &#8211; In Plain English</title>
		<link>http://bemanaged.com/2010/08/04/401k-investing-diversification-and-asset-allocation-in-plain-english/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=401k-investing-diversification-and-asset-allocation-in-plain-english</link>
		<comments>http://bemanaged.com/2010/08/04/401k-investing-diversification-and-asset-allocation-in-plain-english/#comments</comments>
		<pubDate>Wed, 04 Aug 2010 17:21:05 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k advice]]></category>
		<category><![CDATA[401k help]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[conflicts of interest]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment education]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[personal finance]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/08/04/401k-investing-diversification-and-asset-allocation-in-plain-english/</guid>
		<description><![CDATA[The BeManaged Ingredients and Recipe Investment Analogy

Over the past number of years I have come to really enjoy cooking. It unknowingly led me to an analogy for investing that is simple to understand and better yet, visual. The analogy, consisting of ingredients and the underlying recipe, has helped hundreds of investors better understand what they can 'control' within their 401(k). Furthermore it helps investors understand confusing terms such as "diversification" and "asset allocation" and how they impact the 'behavior' of their portfolio.]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/08/04/401k-investing-diversification-and-asset-allocation-in-plain-english/feed/</wfw:commentRss>
		<slash:comments>5</slash:comments>
		</item>
		<item>
		<title>BeManaged August &#8216;10 Research Newsletter : Capital Disappearing in Private Sector</title>
		<link>http://bemanaged.com/2010/08/02/bemanaged-august-10-research-newsletter-capital-disappearing-in-private-sector/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=bemanaged-august-10-research-newsletter-capital-disappearing-in-private-sector</link>
		<comments>http://bemanaged.com/2010/08/02/bemanaged-august-10-research-newsletter-capital-disappearing-in-private-sector/#comments</comments>
		<pubDate>Mon, 02 Aug 2010 18:40:42 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k help]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment education]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[John Whaley]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/08/02/bemanaged-august-10-research-newsletter-capital-disappearing-in-private-sector/</guid>
		<description><![CDATA[The following are some highlights discussed in the August ‘10 Research Newsletter from John Whaley, CFA, AIF, Director of the BeManaged Research Department.

Equities Gain Over 7% in July
The EBRI Retirement Readiness Rating
Capital is Disappearing in the Private Sector]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/08/02/bemanaged-august-10-research-newsletter-capital-disappearing-in-private-sector/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>BeManaged Portfolio Analyst, Mark Hoppe, Passes Level II of CFA</title>
		<link>http://bemanaged.com/2010/07/29/bemanaged-portfolio-analyst-mark-hoppe-passes-level-ii-of-cfa/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=bemanaged-portfolio-analyst-mark-hoppe-passes-level-ii-of-cfa</link>
		<comments>http://bemanaged.com/2010/07/29/bemanaged-portfolio-analyst-mark-hoppe-passes-level-ii-of-cfa/#comments</comments>
		<pubDate>Thu, 29 Jul 2010 18:58:51 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k help]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[401k advice]]></category>
		<category><![CDATA[401k fiduciary]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[Mark Hoppe]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/07/29/bemanaged-portfolio-analyst-mark-hoppe-passes-level-ii-of-cfa/</guid>
		<description><![CDATA[We wanted to provide a quick &#8217;shout out&#8217; to our esteemed Portfolio Analyst, Mark Hoppe, for learning on late Monday that he was among the 39% of world-wide candidates that passed Level II of the Chartered Financial Analyst exam. We empathetically watched him study diligently for an obnoxious amount of hours during the first half of [...]]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/07/29/bemanaged-portfolio-analyst-mark-hoppe-passes-level-ii-of-cfa/feed/</wfw:commentRss>
		<slash:comments>4</slash:comments>
		</item>
		<item>
		<title>Everyone Makes Investing Mistakes, Just Don&#8217;t Create &#8216;Anchors&#8217;</title>
		<link>http://bemanaged.com/2010/07/26/everyone-makes-investing-mistakes-just-dont-create-anchors/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=everyone-makes-investing-mistakes-just-dont-create-anchors</link>
		<comments>http://bemanaged.com/2010/07/26/everyone-makes-investing-mistakes-just-dont-create-anchors/#comments</comments>
		<pubDate>Mon, 26 Jul 2010 21:05:49 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k help]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[Carl Richards]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/07/26/everyone-makes-investing-mistakes-just-dont-create-anchors/</guid>
		<description><![CDATA[Our friend Carl Richards, writing for the NYTimes.com Bucks blog, does an excellent job of speaking to the 'waiting-until-I-get-back-to-even' mistake many investors make. It's called anchoring. Essentially, we create a value in our mind for an investment we want to receive before selling. ]]></description>
		<wfw:commentRss>http://bemanaged.com/2010/07/26/everyone-makes-investing-mistakes-just-dont-create-anchors/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>401(k) Investors Achilles Heel #4 &#8211; Managing Risk Through Contributions</title>
		<link>http://bemanaged.com/2010/07/09/401k-investors-achilles-heel-4-managing-risk-through-contributions/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=401k-investors-achilles-heel-4-managing-risk-through-contributions</link>
		<comments>http://bemanaged.com/2010/07/09/401k-investors-achilles-heel-4-managing-risk-through-contributions/#comments</comments>
		<pubDate>Fri, 09 Jul 2010 14:27:40 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k help]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment education]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[BeManaged]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/07/09/401k-investors-achilles-heel-4-managing-risk-through-contributions/</guid>
		<description><![CDATA[One of the biggest issues we see during this time is people will stop their contributions when the market takes a down turn, and then contribute again once the market is doing "better." Unfortunately, as with the other achilles heels we have discussed, this is the exact opposite thing 401(k) investors should do.]]></description>
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		<slash:comments>1</slash:comments>
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		<item>
		<title>Ignore Generic 401(k) Guidance Posed as Advice</title>
		<link>http://bemanaged.com/2010/07/08/ignore-generic-401k-guidance-posed-as-advice/?utm_source=rss&amp;utm_medium=rss&amp;utm_campaign=ignore-generic-401k-guidance-posed-as-advice</link>
		<comments>http://bemanaged.com/2010/07/08/ignore-generic-401k-guidance-posed-as-advice/#comments</comments>
		<pubDate>Thu, 08 Jul 2010 14:03:36 +0000</pubDate>
		<dc:creator>Chad Griffeth, AIF</dc:creator>
				<category><![CDATA[401k advice]]></category>
		<category><![CDATA[401k help]]></category>
		<category><![CDATA[Asset Allocation]]></category>
		<category><![CDATA[investing]]></category>
		<category><![CDATA[investment behavior]]></category>
		<category><![CDATA[investment education]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[401k investor help]]></category>
		<category><![CDATA[Carl Richards]]></category>
		<category><![CDATA[personal finance]]></category>

		<guid isPermaLink="false">http://bemanaged.com/2010/07/08/ignore-generic-401k-guidance-posed-as-advice/</guid>
		<description><![CDATA[We have seen people follow guidance from the likes of the Jim Cramers, Suze Ormans and Dave Ramsey (though we are big fans of his debt reduction advice), which more often than not steers people into an inappropriate portfolio. Many 401(k) providers will even provide some general guidance as well, but they leave investors to figure out the ideal recipe (asset allocation) to create from their plan's ingredients (investment options). ]]></description>
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		<slash:comments>2</slash:comments>
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