As a 401(k) plan sponsor, you try your hardest to do your best for your employees. You’re responsible for studying complex issues like investment theory and risk your own personal liability to make decisions in areas like this, that, quite frankly, you have not formal training in. Yet you do. For the good of your employees.

And when decades of accumulated investment wisdom demands you accept the platitude that a good portfolio contains some balance of stocks and bonds, you accept it. Alas, unbeknownst to you, sometimes a bond is not a bond. Because of that, you risk being caught unawares – and you’re employees risk losing a sizable chunk of their hard-earned retirement savings.

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