…Labor also requires small plans who have less than 95% of their assets in “qualifying assets” to obtain an audit, unless those assets are adequately covered by an ERISA fidelity bond. A qualifying plan asset is generally one that is easily transacted on a public…
…cost levels. Liability Driven Investing While this strategy may be new to others, Pentegra has been incorporating this investment technique for over 50 years. Essentially, the strategy minimizes funding fluctuation by matching assets and liabilities. The development of a Cash Flow Match, a dedicated, high-quality…
…who will assume responsibility for the entire investment process. In essence the hired OCIO firm may assumes as much of the client’s fiduciary responsibility as is possible. The duties can include: review, analysis and changes to the client’s Investment Policy Statement, portfolio asset allocation, portfolio…
…– is this an asset purchase or an entity purchase? In other words, is the acquiring company buying the assets of the target company or are they buying the entity itself. In an asset purchase, the acquiring company generally doesn’t assume the assets and liabilities…
…cybersecurity in retirement plans a top focus. During this webinar, we’ll discuss the Department of Labor’s “three points of light” from its guidance, and the practical and tactical actions financial advisors, plan sponsors and plan participants can take now to tighten security around retirement assets….
…extra percentage point or two can really help boost your account’s balance years from now, when it really count. Rebalance your 401(k) plan investments. Resetting your asset allocation will bring your portfolio’s weightings back into balance. Remember: Simply splitting your portfolio evenly between various markets…
…easily quantified than things like expertise and quality and the care of consulting that we deliver together. When cost is the primary driver, benchmarking is a pretty straightforward quantitative analysis. When you’re prospecting it’s an offensive strategy as you invite employers to look at potential…
Market volatility can sometimes cause us to make emotional financial decisions. That may not be the best strategy when saving for retirement. Join us as we discuss ways to help manage your investment strategy during times of market volatility, including: Evaluating where you are &…
…what are called non-qualifying assets. These are investments that include limited partnerships, artwork, collectibles, mortgages, real estate or the securities of “closely-held” companies. If a plan has more than 5% in these non-qualifying assets, the company needs either a bond amount equal to 100% of…
…cover basic monthly expenses; and 44 percent of retirees have gone back to work to ensure adequate retirement income.[2] Workplace retirement plans are the leading venue for accumulating assets for retirement. But as mentioned earlier, low levels of access and savings rates were the impetus…
…This structure wouldn’t cost more for ABC Corp, and it would have the additional goal of encouraging at least 6% in employee contributions. Plus, everyone would at least get something. An employer can even attach allocation conditions to a profit sharing contribution. For example, only…
…target asset allocation with periodic rebalancing depending upon the financial markets. NOTE: Information presented herein is for discussion and illustrative purposes only and is not a recommendation or an offer or solicitation to buy or sell any securities. Past performance is not a guarantee of…