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Equating volatility with risk and recommending 401(k) investments with minimal volatility to satisfy risk-averse clients could, in the long term, be a prescription for a fiduciary breach allegation. Benefit advisers working with their employer clients and those clients employees should heed this warning.
This, at least, is the suggestion of financial adviser Christopher Carosa, author of the book 401(k) Fiduciary Solutions.
Richard Stolz is a freelance writer based in Rockville, Md.
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