The start of a new year is a good time to review your retirement account(s) to check your investment position, especially if you just created a new account last year. It’s common for investment companies that manage corporate retirement plans to default contributions into government bond funds or money market funds. 

Recently a young adult asked me to look at his Roth IRA account from a local credit union. He was wondering why there were four identical payments during the year, since his mone...