VERO BEACH, Fla., Oct. 4, 2013 /PRNewswire/ -- An employer-sponsored retirement account (401k, 403b, IRA, SEP, etc.) is the most important financial asset for most workers, and they cannot afford to ignore it, because neglecting it could seriously damage their retirement. As Jim Tso says, "You must rescue your 401k, or you will retire poor." Jim Tso's blog, InvestBetterSpendSmarter.com released its unique investment strategy, which is a combination of three proven investment methods: (1) Timing, (2) Selection, and (3) Optimal Allocation, and which is used to manage its free TSOA Freedom Portfolio models. Three principles of freedom govern the TSOA approach, which is based on the belief that investors, regardless of their investment experience or skills, should be free from: (1) high costs, (2) worries about constant market ups-and-downs, and (3) time wasted on unnecessary research. Investors can apply the TSOA strategy to all accounts and especially to employer-sponsored retirement accounts. Jim Tso, founder of the blog says, "Of the three TSOA methods, Optimal Allocation is the most important strategy, and it has been proven that asset allocation is the most important factor in determining the return your portfolios can achieve." Selection is about picking the better mutual funds, Exchange-Traded Funds (ETFs – similar to buying a stock), stocks, bonds, Real Estate Investment Trusts (REITs), Master Limited Partnerships (MLPs), utility funds, and so forth from among the thousands of choices. Timing relates to whether or not a certain investment, and how much of it, should be owned in the portfolios during a certain timeframe or economic period. Tso added, "We have provided our free TSOA Freedom Portfolio models to help investors to self-manage their employer-sponsored retirement accounts better. The dynamic interaction of these three proven investment methods in the TSOA strategy make our model portfolios unique and can be effective in helping all investors to invest better."