How Long Will Your Money Last
Retirement Times January 2016
October Retirement Times
Why Should Plan Sponsors Support a Mission of Investment Design?
Plan design auto features—automatic enrollment, automatic escalation, and even safe harbor match, to name a few—have been hot topics. But what about investment design? Investments fall into the plan’s strategy when optimizing the retirement plan, and a carefully constructed investment menu can help participants maximize their retirement income potential. Unlike auto features and the added expense that comes with them, investment design benefits participants with little or no incremental expense by the participants or the plan sponsor. October 2015
Making the Most of Your Retirement Plan
Your company’s retirement plan is a smart way to save for a secure financial future. Below are a few helpful hints to help you reach your goals.
Four Tips to Follow in Turbulent Times
With the recent market volatility, it’s understandable for you to be concerned about your investments. Volatile markets can make you wonder if you’re on track to meet your retirement goals. Don’t be discouraged and most of all, don’t panic. Instead, be proactive! Consider the following steps you should be taking in both up AND down markets: September 2015 Employee Memo
September Retirement Times
Last month we brought you DOL Regulations, Part I: Who is a Fiduciary? It discussed the DOL’s latest attempt at redefining ERISA’s definition of “fiduciary” and who the proposed regulation identifies as a fiduciary. Now we will look at who is not a fiduciary.
The Carve-Outs
The DOL carved out seven types of advice that will not cause the person who provides certain types of advice to be treated as a fiduciary. There are a total of seven carve-outs, as follows, each with its own rigorous conditions and requirements: September 2015
Staying the Course in Times of Market Volatility
Turmoil on Wall Street often leaves markets in a state of crisis, as was reflected by the Dow Jones Industrial Average’s biggest point drop in history on September 29, 2008, a date that is etched into history as one of the largest market drops ever. As uncertainty, and the fear that follows, makes their way into the marketplace the results can lead to strong, quick and unexpected downward movements in the market.
Since December 31st, 1948 we have seen 13 instances of bear markets (a market downturn of 20 percent or more) and at some point during those bear markets, almost everyone invested in the stock market during those times questioned their decisions. The average duration of those 13 bear markets was 14 months and the average cumulative returns was -24.6 percent. August 2015 Market Volatility
Stress in the Workplace
The effects of Financial Stress on Employee Health and Productivity. August 2015 Employee Memo
August Retirement Times
Recently, the DOL released its second attempt at redefining ERISA’s definition of “fiduciary” for the era of participant-directed retirement savings. The new, proposed regulation is significantly different than ERISA’s existing definition, broadening both the group of individuals and firms considered fiduciaries, as well as expanding the retirement savings vehicles covered by the new fiduciary standards to include IRAs. Advisers, consultants and brokers are most significantly impacted by the proposed regulation as drafted, but plan sponsors can also expect changes: advisers and consultants previously not considered fiduciaries to date may now become fiduciaries, and employee investment education programs may need to be revised. The regulation is in proposed form right now and may change before the time it becomes final. This article introduces a few of the changes most applicable to plan sponsors. August 2015
- « Previous Page
- 1
- …
- 20
- 21
- 22
- 23
- 24
- …
- 32
- Next Page »