A passive portfolio management approach is appropriate for many 401(k) plan participants and individual investors. But indexing isnt right for everyone. Many investors are not satisfied with market average returns. Nor do they feel it makes sense to lock in 100% of every market decline. Many believe they can consistently outperform market averages by applying a little of the right knowledge. Think there is no point to active management? Consider the following to make active management work for your plan participants: