401(k) planplan participants1. I onlyneed to contribute up to the maximum company match.plan sponsorsstretching2. It is OK to take a participantloan.horrible3.Rolling a 401(k) account into an IRA is a goodidea.bad4.My 401(k) account is a good way to save for college, a firsthome, etc.5.I should stop making 401(k) contributions when the stockmarket crashes.6. Actively trading my 401(k)account will help me maximize my account balance.time7. Indexing is always superior toactive managementindexinvestingblend8.Target-date funds are not good investments.target-date funds9.Money market funds are good investments.rules10. I cancontribute less because I will make my investments will workharder.employee education This information wasdeveloped as a general guide to educate plan sponsors and is notintended as authoritative guidance, tax, legal or investmentadvice. Each plan has unique requirements and you should consultyour attorney or tax adviser for guidance on your specificsituation. In no way does Lawton Retirement Plan Consultants, LLCassure that, by using the information provided, plan sponsor willbe in compliance with ERISA regulations. Investors shouldcarefully consider investment objectives, risks, charges andexpenses. The statements in this publication are the opinions andbeliefs of the commentator expressed when the commentary was madeand are not intended to represent that person's opinions andbeliefs at any other time. The commentary does not necessarilyreflect the opinion of Lawton Retirement Plan Consultants, LLC andshould not be construed as recommendations or investment advice.Lawton Retirement Plan Consultants, LLC offers no tax, legal oraccounting advice, and any advice contained herein is not specificto any individual, entity or retirement plan, but rather general innature and, therefore, should not be relied upon for specificinvestment situations. Lawton Retirement Plan Consultants, LLC is aWisconsin Registered Investment Adviser and accepts clients outsideof Wisconsin based upon applicable state registration regulationsand the "de minimus" exception.