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Why Do Companies Buy Back Their Stock?

…the company is undervalued. What are the potential downside issues associated with stock buybacks? First, the company may be sacrificing long term growth by delaying reinvestment in its business. Second, if a company is using borrowed funds to pay for the repurchases, it will often…

Pensionizing Your Retirement Savings

…relied upon the “4 percent rule” when it comes to the decumulation phase of retirement savings: Assuming you have accumulated sufficient assets by retirement age, it was widely accepted that if you withdraw 4 percent a year from those savings, you should have sufficient funds

You Get What You Pay For

…for misappropriating “approximately $14.5 million in funds maintained by over a [sic] 1,000 plan participants in at least 20 ERISA and Optional Retirement Plans,” the documents add. Fortunately, that is a rare occurrence, but plan sponsors must remain vigilant. “A lot of these so-called 3(16)…

Safe. Stable. Secure. A Tax Advantaged Retirement Plan with Guarantees

…tax deductible contributions and substantial guaranteed benefits they can provide. Going one step further the book also explores reducing the tax on those funds when they are distributed in the future. Read the eBook version here, 412(e)(3). Safe. Stable. Secure. A Tax-Advantaged Retirement Plan with…

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…

New Survey Provides Worrying News About Retirement Savings

…Relief, and Economic Security (CARES) Act of 2020 allowed individuals to access the lesser of $100,000 or 100% of their retirement savings without being subject to early withdrawal penalties, and allowing them to repay those funds over a three-year period without the monies being considered…

PENTalk™ Status of Social Security & Medicare Programs

Each year the Trustees of the Social Security and Medicare Trust funds report on the current and projected financial status of the two programs. The Report includes extensive information about the current operations of these important social insurance programs and analysis of their outlook. Assumptions…