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Pension, Retirement & Markets: 5 Key Trends to Watch in 2020

…Fiduciary Standard How has it been impacted in 2018 and 2019 2020 Outlook – SEC Best Interest (BI) Standard SECURE Act How will the SECURE Act affect the retirement industry Pentegra view Exchange traded funds (ETFs) Review of ETFs Will ETFs continue their rapid growth?…

What We’re Wishing for in 2021

…repeated, these have been unprecedented times. However, once the pandemic is behind us – something that now seems possible with the Pfizer and Moderna vaccines – it will be time to regroup and think about how to replenish those retirement funds, and to go about…

Some Thoughts On China And The Us Economy

…Chinese stocks can be accessed through local shares, companies listed on US stock exchanges and Exchange Traded Funds (ETFs). Summary Although there are a number of trade, market, economic and social issues associated with China and its economy, China will continue to be a growing…

The Weak and The Strong-A Note on Exchange Rates and Currency

…have often noted that it is difficult, if not impossible, to accurately forecast exchange rates, because so many factors are involved (monetary policy, interest rates, flow of funds, etc). Hedging (preventing risk from currency rate moves through futures and options transactions) will have both direct…

Danger: Don’t Touch

…rollover of 100% of your funds. If the day ever comes when you have to decide whether to take your retirement money early, picture that warning label: Don’t touch. Then avoid the threat to your future financial well-being by preserving your cash in a tax-deferred…

What is a Roth 401(k)?

…employees can make a direct rollover from a Roth 401(k) account to a Roth IRA. Under a traditional 401(k) plan, funds are typically rolled over to a rollover IRA. And while an employee can convert a traditional IRA to a Roth IRA, income taxes must…

What Is The Difference Between A 401(k) Plan And A 403(b) Plan?

…not subject to the non-discrimination testing requirement for salary deferrals, whereas 401(k) plans are. ARE THERE ANY DIFFERENCES REGARDING INVESTMENT OFFERINGS? Yes, there are. 403(b) plans are limited to annuities contracts through insurance companies or custodial accounts that are invested in in mutual funds. The…

Which Types of 403(b) Plans Are Subject to ERISA?

…401(a) plan with employer contributions, the 401(a) plan is subject to the 415 limits, but the 403(b) plan has a separate 415 limit. Funds contributed to 403(b) plan generally do not reduce the 415 limits for the 401(a) and vice versa. In May, 2012 the…

Has A Fed-Induced Rise In US Interest Rates Created Turmoil Overseas?

…took steps 2 years ago to prevent coordinated sovereign debt short-sale attacks from private investors and hedge funds (similar to George Soros’ raids on Asian currencies in the late 1990’s). We think the likely result is a series of ‘spasms’; it starts with news reports…

Check Fiduciary Liability Coverage

…the retirement plan against misappropriation of funds by individuals handling the plan’s assets. However, the fidelity bond does not protect against claims for losses sustained because of a breach of fiduciary duty. Fiduciary Liability Insurance Protection Fiduciary liability insurance provides protection for trustees and other…