May 2016 Employee Memo
TP Advisory Quarterly Investment Newsletter
April 2016 Employee Memo
April 2016 Retirement Times
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
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
- « Previous Page
- 1
- …
- 19
- 20
- 21
- 22
- 23
- …
- 26
- Next Page »