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Target Date Funds

and asset allocation funds are generally designed to be the sole investment for the retirement savings of experienced and novice investors alike, although they can also serve as the core of any portfolio. WHO IS A GOOD CANDIDATE FOR TARGET DATE FUNDS? Target date funds

Understanding Asset Classes

…investment fund. WHAT TYPE OF INVESTOR SHOULD CONSIDER ASSET ALLOCATION FUNDS? Asset Allocation Funds may be a good option for investors seeking a total portfolio solution created and managed for them by investment professionals. WHAT ARE TARGETDATE FUNDS? Target Retirement Funds seek to provide investors…

Working With Time When It Comes to Your Retirement

…on targetdate funds. Basing your savings strategy on or around your expected target retirement date will provide your investment professional with invaluable guidance in designing your investment plan. The difference between a target date of 2020 versus 2025 can have a significant impact on the…

Building A Better 401(K) – Part One

…fits all” when it comes to retirement funds. Clearly delineating the pros and cons of target date funds, stable value funds of various cap size – in other words, diversity – is of critical importance.Ideally, a plan’s Qualified Default Investment Alternative (QDIA) should be a…

Managing Money Market Reform

…fund NAV and gates on fund withdrawals. In fact, there has been pressure on non-government money market funds as investors have been moving out of these funds into government money market funds as the October 14th date approaches. In our view, rules that explicitly allow…

Pros and Cons of Closed-End Funds

…and regulated. Two types of open-end funds are mutual funds and exchange-traded funds (ETFs). An ETF is organized like a mutual fund but trades like a stock. Both open-end funds and CEFs charge an expense ratio to investors. In addition, both open-end funds and CEFs…

Anchoring and Your Retirement Savings Strategy

…use in a potentially harmful way. Before the advent of auto enrollment and target date funds, many participants “picked” a salary deferral rate and “picked” one or more investment funds without much strategic thought, inadvertently establishing “anchors” through which they might evaluate future fluctuations in…

Fed Patience and Other Curiosities

…especially investors who are trying to figure out US Capital Markets. The “Nothing” that happened involves the Federal Funds Rate, the target overnight interest rate for inter-bank borrowing or lending. This is where US depository institutions, in the tightly controlled, invitation-only world of Federal Reserve…

Keep It Simple!

…with the “target” year in which a participant expects to retire (2020, 2030, etc.); ideally, the target date fund’s investments will become more conservative as that date approaches. “Set it and forget it” when it comes to investment elections is a popular phrase in the…

Benchmarking Your Organization’s Retirement Plan

…of your employee population are at risk for not achieving their retirement goals-whether employees are utilizing asset allocation and target date funds, and whether catch up contributions are being maximized. WHAT SHOULD WE LOOK AT WHEN EVALUATING PLAN FEES AND EXPENSES? One of the more…