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Benchmarking Your Organization’s Retirement Plan

…of your employee population are at risk for not achieving their retirement goals-whether employees are utilizing asset allocation and target date funds, and whether catch up contributions are being maximized. WHAT SHOULD WE LOOK AT WHEN EVALUATING PLAN FEES AND EXPENSES? One of the more…

Pension Funds and Infrastructure Investment

…infrastructure, can pension funds share in the cost? A growing source of non-government funding for infrastructure has come from targeted investment funds via commitments by pension funds and other institutional (non-retail) investors. According to Pensions & Investments, global assets under management in infrastructure increased from…

What is Non-Discrimination Testing?

…present value as of the determination date (the determination date is the last day of the prior plan year) of the accrued benefit of all key employees is determined and if the value of the Key Employee account balances exceeds 60% of the present value…

US Infrastructure and Beyond -What’s Being Proposed and How to Pay for It?

…cost effective contributor to current and future initiatives. One example of this coordination is “infrastructure asset recycling”. Infrastructure asset recycling involves the government raising funds through the sale or lease of public assets, such as roads and airports, to the private sector. The funds received…

What Do The New Fee Disclosure Rules Do?

…RULES APPLY TO? The rules apply to 401(k) plans, profit sharing plans, money purchase plans, pension plans, and 403(b) plans that are subject to ERISA. WHAT ARE THE EFFECTIVE DATES FOR NEW FEE DISCLOSURE RULES AND WHAT DO THE RULES ENTAIL? The effective date for…

The Growing Use of Collective Investment Trusts in Retirement Plans

Collective Investment Trusts (CITs) have recently gained significant traction in the plan sponsor community. What are CITs? Unlike mutual funds, CITs, also known as commingled or collective funds, are pooled investment vehicles organized as trusts and maintained by a bank or trust company. CITs are…

Can US Interest Rates Go to Zero?-An Update

…with economic recovery uncertain until the virus is contained and vaccines are available. Federal Reserve actions (Y): On March 3rd, the Fed cut its target rate by 50 basis points in an emergency move. On March 15th, the Fed, in another emergency move, cut rates…

2nd Quarter 2018 Economic & Market Review

…U.S. Aggregate Bond Index (representing investment grade U.S. bonds) returned -0.2% (-1.6% year to date); the Bloomberg Barclays Long Credit Index was down -2.7%( -6.4% year to date) and the Bloomberg Barclays U.S. Aggregate Corporate High Yield Index returned +1.0% (+0.2% year to date).  …

Pensions, Retirement & Markets: 5 Questions for 2019

…Exchange Traded Funds (ETFs) continue their rapid growth? While ETF assets remain a relatively small fraction of the total of passive index funds and actively managed funds, there has continued to be an explosion in ETFs. While ETF expense ratios are competitive with mutual fund…

ERISA-Related Lawsuits Beg the Question: How Much Is Too Much?

…fund share classes and caused the Plan to pay unreasonable and excessive fees for recordkeeping and other administrative services.” The suit also cites Trader Joe’s decision to pay for Capital Research’s recordkeeping services by offering retail investor share classes of American Funds mutual funds instead…

Mergers and Acquisitions

…of the other company. That would include, of course, responsibility for the target company’s retirement plans. In an entity purchase, as you’d expect, the target company becomes part of the acquirer’s organization. In that case, the acquirer generally does become responsible for the target company’s…

The Ever-Expanding Role of the Federal Reserve

…Reserve’s Dual Mandate”, June 12, 2019, https://www.chicagofed.org/research/dual-mandate/dual-mandate 2 , Council on Foreign Relations. “The Role of the Federal Reserve”, June 20, 2019, https://www.cfr.org/backgrounder/role-us-federal-reserve NOTE: Information presented herein is for discussion and illustrative purposes only and is not a recommendation or an offer or solicitation to…