Johnny Carson once described himself as having "a low threshold of boredom." Me too. But fortunately, whenever I feel a touch of boredom, my mind wanders toward what I envision as the perfect 401(k) plan. I start building that castle in the sky. Assuming you're curious, here's how it would look:
First, it would have some pure no-load investments chosen for all the right reasons -- low cost, high performance, a broad selection of investment types and a routine review to make sure the investments are meeting the quality criteria.