Saturday, December 22, 2018

401K Plan Losses


The S&P 500 Index is the basis of most 401k investments and includes the stocks of the Fortune 500, the biggest companies in the US.

The S&P 500 showed gains of 21.83% in 2017, when the S&P went from 945.48 in March 2009 to 2901.52 in August 2018. 

The S&P 500 peaked at 2,901.52 on 8/31/18 and began its decline to 2,546.18 by 12/18/18.  The decline was 355.34 points or about 13%.

54 million US Employees have $5.345 trillion in 401K Plans with $3.615 trillion in S&P-based Index Funds and $1.730 trillion in other investments. 401K account holders own 19% of the S&P.

The 401K Plan holders typically ride out these dips.  The investors who perpetrate these stock market swings are large institutional investors, who make the stock market go up and down, so they can sell high and then buy low.

On 1/1/17 the S&P stood at 2,275.12
On 8/30/18 the S&P 500 closed at 2901.52.
On 12/18/18 the S&P 500 closed at 2,546.18

The Fed announced its rate hike on 12/19/18.
On 12/19/18 the S&P 500 closed at 2,506.96
On 12/20/18 the S&P 500 closed at 2,467.42
On 12/21/18 the S&P 500 closed at 2,416.62

We S&P 500 Index holders should watch how long it takes for the average to climb back up to the 2,900 level.

The Dow 30 average only affects investors who own those stocks, but it is the “star” of the stock market soap opera.


Norb Leahy, Dunwoody GA Tea Party Leader

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