All too often, people who invest heavily in their 401(k)s still fall short of their retirement goals. What is going wrong, and what is the best fix?
Hefty fees are often part of the problem, as is the natural desire to bury one's head in the sand and avoid honest number crunching. Beyond that, many folks are overwhelmed and confused by investing — if not downright fearful. Too many people approaching retirement age let emotion keep them from mastering the basics.