Whirlpool 401k (RP) Plan PSDS Scan 12-31-2011

It has been 2 years since the last Whirlpool 401k scan and a lot has changed. The investment options are all Vanguard investments now and company stock WHR that has not done well the last 5 years. The Balanced portfolio has most of that portfolio in 3 income funds, VRST5 has 48.3%, VBMFX has 23.8% and the money market fund VMMXX has 17.0%. Compare that to the employee portfolio in the 3D scan image. If you are near retirement the employee portfolio has way too much volatility risk in my opinion. The Vanguard funds are not bad but 2011 and the last 5 years have not been kind to very many mutual funds.