…Capital (“BarCap”) U.S. Aggregate Bond Index (-0.1%) faired better than the BarCap Long Government/Credit Index (-2.0%), but trailed the BarCap “B” High Yield Index which produced a gain of 2.7% in Q1. Money market funds again produced returns near zero and continue to lose ground…
…Funds Rate will be based on inflation measures. Outside of the U.S., the European Central Bank announced that its quantitative easing methodology would entail monthly asset purchases of roughly $70 billion through the third quarter of 2016. Globally, India is supplying attractive growth rates in…
…funds by the year 2034, about eight years before the first millennials are set to retire. A millennial is really relying on two things. Number one, does his or her employer have a 401(k) plan? Number two, is there a matching contribution? I firmly believe…
After a long period of low interest rates, the Federal Reserve (Fed) has raised its federal funds rate twice since late 2016. Most analysts believe there will be at least two more rate hikes in 2017. What does this portend for individuals investing near or…
…participant loans and hardship withdrawals point to another problem – namely that too many people don’t have savings or emergency funds outside of their company’s retirement plan account. It’s no wonder that too often they look to their retirement account in times of financial stress….
…funds from PBGC’s single-employer program to the multiemployer program, and would impose a cumulative cap on tax-preferred retirement savings and retirement accumulations. In addition to the obvious “borrowing from Peter to pay Paul” principle at play here – rarely a good idea in the long…
“Highlighting five trends in the capital markets and retirement industry which are expected to impact pension sponsors and retirees this year. Tax Reform Interest Rates PBGC Premiums The DOL Fiduciary Rule Exchange traded funds (ETFs) “…
…for retirement remain in play: 44 percent cited debt that needs to be paid off; 42 percent estimated that they cannot afford to put more money away; 22 percent said they want to make sure they can access funds in case of an emergency, while…