BofA, Citi, JPMorgan, Wells Fargo and Ally Financial were the five parties to the deal with the Justice Department, HUD and state attorneys general, and all appear to have sufficiently reserved for their portion of the settlement.

FORBES: What The $25B Foreclosure Deal Really Means For Banks (VIDEO)

By taking the time to identify and invest a portion of their regular contributions into underperforming asset classes, investors can use a strategy normally reserved for more knowledgeable and experienced market players to their company retirement plan.

FORBES: Make The Most Out Of Your 401(k) Contributions Right Now