Why Index Funds Are a Coach’s Best Play

Hey Coach,

You know the importance of running plays that work. Index funds are that simple, high-percentage play for your investments. Instead of trying to outguess the market (or hire someone who says they can), index funds let you own the whole game.

They track major stock or bond markets - like the S&P 500 - so you automatically get diversification, broad exposure, and long-term growth potential.

Benefits of Index Funds

✅ Diversification Built-In
Instead of betting on a single “star player” stock, index funds spread your money across hundreds (sometimes thousands) of companies. That’s like building depth across your roster - you’re not relying on just one scorer.

✅ Low Fees = More Money for You
Most 403(b) annuities or actively managed funds charge heavy fees (sometimes 1–2%+ a year). Index funds are known for rock-bottom fees (often 0.05% or less). That’s money staying in your pocket, compounding for the future.

✅ Consistent, Long-Term Growth
Over time, the market has rewarded patient investors. Index funds don’t promise overnight wins, but they’ve historically delivered steady growth - like a coach who builds culture and wins season after season.

Where Coaches Use Them

• Roth IRA: You choose your funds, giving you full control. Perfect spot for low-cost index funds.

• 403(b): Some school district plans include index fund options - but many don’t. That’s why reviewing your 403(b) lineup matters. If your plan only offers expensive annuities, consider balancing it out with a Roth IRA.

The Coaching Lesson

Building wealth isn’t about flashy plays - it’s about running the fundamentals over and over. Index funds are the financial equivalent of layup lines: simple, consistent, and effective.

Think: less stress, lower costs, stronger results.

🏀 Call to Action

Check your Roth IRA or 403(b):

• Are there index fund options available?

• How much are you paying in fees?

• Can you simplify your investing strategy?

Start with one index fund, stay consistent, and let time do the heavy lifting.

📩 Want more plays for financial success?
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See you next week,
Coach Mike Klinzing
Founder, Wealth4Coaches
"Coach smarter. Save better. Live freer."