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When Black Swans Appear in Financial Markets

…Slade is also a frequent contributor of economic and financial market blogs to Pentegra’s Talk to a Specialist website and the financial media. Prior to joining Pentegra, Mr. Slade was a Senior Quantitative Analyst at Citigroup Asset Management, providing asset allocation and quantitative stock screening…

Why is Tax Reform So Difficult?

…financial media. Prior to joining Pentegra, Mr. Slade was a Senior Quantitative Analyst at Citigroup Asset Management, providing asset allocation and quantitative stock screening for mutual fund products. Prior to Mr. Slade’s tenure at Citigroup, he was an Investment Manager at NYNEX Asset Management (now…

Working With Time When It Comes to Your Retirement

…often leave you chasing “hot” investments, which can yield frustration on a number of levels.) Many 401(k) plans have investment models and asset allocation tools to help participants decide between different levels of risk. It can be beneficial for retirement plan investments to be well-diversified;…

The Coming “Lifetime Income Solution” Revolution

…401(k) retirement savings over the course of one’s retirement years may not be the most prudent strategy. In such event, one may want to consider a Lifetime Income Solution (“LIS”) as part of one’s decumulation strategy. Essentially, LISs are designed to convert accumulated retirement assets…

What Do The New Fee Disclosure Rules Do?

…fees? Asset based fees are the fees paid by the investors in a particular fund, to manage and operate an investment fund. They can also be referred to as investment or asset management fees, or expense ratios. Asset based fees typically represent the greatest share…

Investment Strategy

Investment Strategy Your choice of investments and how they perform over time is a key factor in determining how your account will grow. Building the right investment strategy is the smart way for you to get started. Building an Investment Strategy Controlling Risk When Investing…

How Are RoboAdvisors Changing the Investment Industry?

…the level of transparency required to be disclosed by RoboAdvisors to investors. This may result in allocations to asset classes which are not compatible with an investor’s investment knowledge or sophistication. ETF and Fund Flows: Stock and Bond ETFs, which are used frequently in RoboAdvisors’…

BOLI and the Changing Interest Rate Environment

…in bonds, and can include mortgage-backed securities, treasury bonds, municipal bonds and corporate bonds. The duration of these portfolios usually falls within a five-to-nine-year range. The return on a “portfolio strategy” policy will be a blend of new premium and the existing assets in a…

The BOLI Boon for Community Banks

…growth as an alternative asset strategy for financial institutions is offered by the Equias Alliance/Michael White Bank-Owned Life Insurance Holdings Report™, the most recent edition of which found that BOLI assets held by commercial banks, savings banks and savings associations topped $154.5 billion at the…

The Case for BOLI

…3,840 (56.4 percent) held BOLI assets in 2013. However, when excluding banks with less than $100 million in assets, the percentage of BOLI-holding banks rose to 64.9 percent. In addition, BOLI assets totaled $143.84 billion at the end of 2013 (up 4.3 percent from 2012);…

What is a Roth 401(k)?

…to age 59½) from traditional 401(k) accounts apply to Roth 401(k) accounts. WHAT HAPPENS TO PARTICIPANTS ASSETS IF THE PERSON CHANGES JOBS OR RETIRES? Roth 401(k) account assets can be rolled over to a Roth IRA when participants retire or change jobs. By contrast, assets…