The effects of Financial Stress on Employee Health and Productivity. August 2015 Employee Memo
No More Excuses
Saving for retirement can be intimidating, but it doesn’t have to be. Finding reasons not to contribute to your retirement plan will hurt you in the future.
Do any of these excuses sound familiar? July 2015 Employee Memo
Three Things to Know About Asset Allocation
June’s employee memo is simple overview on investment diversification and asset allocation.
1 | Different assets play different role
While stocks have significant appreciation and wealth-building potential, bonds can generate steady income. Cash can buffer the effect of market losses, while alternative investments can help improve a portfolio’s diversification potential. June 2015 Employee Memo
To Borrow or Not to Borrow?
May’s employee memo is brief overview on retirement plan loans and a few of the drawbacks on using that feature.
“Although you may have the ability to borrow money from your retirement plan in the form of a loan, please proceed with caution! If you borrow from your retirement account, you may end up causing harm to your financial futures.” May 2015 Employee Memo
When should I take Social Security benefits?
April’s employee memo is brief overview on “When should I Take Social Security benefits?” There a quite a few factors involved and this handout touches on a few of them. April 2015 Employee Memo
Tax Savers Credit Reminder
March’s employee memo is a reminder that some employee may be eligible for a valuable incentive, which could reduce your federal income tax liability, for contributing to your company’s 401(k) or 403(b) plan. If you qualify, you may receive a Tax Saver’s Credit of up to $1,000 ($2,000 for married couples filing jointly) if you made eligible contributions to an employer sponsored retirement savings plan. The deduction is claimed in the form of a non-refundable tax credit, ranging from 10% to 50% of your annual contribution. March 2015 Employee Memo
What is Roth 401k?
Elective deferral contributions to a traditional retirement plan are contributed on a pre-tax basis and help lower your current taxable income. Roth elective deferral contributions, however, are much like a Roth IRA in that contributions are made on an after-tax basis. Feb 2015 Employee Memo
What Happens to my Retirement Plan if I Leave my Company?
How you choose to handle your retirement plans when you change jobs will have a lasting impact on the size of your nest egg and ultimately on the type of retirement you can enjoy. January 2015 Employee Memo
One Is All You Need.
December’s Employee Memo is a friendly handout about Target Date funds. “You only need to select one target date fund (TDF) to have a diversified portfolio. Each fund is designed as a stand-alone investment portfolio with an asset allocation that automatically rebalances over time, based on a planned retirement date that coincides with the year indicated in the TDF. Please have them call us if they have any questions or need anything. December 2014 Employee Memo
Target-Date Funds are the Cruise Control of Investing
Target-date, or life cycle, funds are the cruise control of investing. After you choose which fund to invest in, the fund does all the work for you. You don’t have to think about it again until retirement.
Many target-date mutual funds are funds of funds. They hold a selection of equity funds, such as large-cap, small-cap and international funds, and a selection of fixed-income funds of multiple durations and yields.
The appeal of target-date funds is that they take care of all the asset allocation and rebalancing for you. It’s a balancing act of managing market risk, inflation risk and longevity risk. See Target Date Funds