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Understanding Asset Classes

WHAT SHOULD BE MY FIRST STEP IN WHEN DEVELOPING AN INVESTMENT STRATEGY FOR MY RETIREMENT PLAN PORTFOLIO? Your choice of investments and how they perform over time is a key factor in determining how your account will grow. Everyone’s situation in life is different, and…

Keep It Simple!

…it sit there for so long?” I suspect that this is how the vast majority of 401(k) plan investors may feel. Many participants are largely uninformed when it comes to retirement planning. Irrespective of their level of education and professional training, they are probably not…

What is Non-Discrimination Testing?

…the likelihood of HCEs receiving refunds you may want to take advanced planning steps to minimize any uncertainty and the consequences of the testing process. Some approaches to adopt are: Make plan participation more attractive to lower-paid employees through plan redesign, adding more investment options,…

Thinking of Taking a Loan from Your 401(k)? Not So Fast!

…Senior Vice President of Client Services at Pentegra Retirement Services, a leading provider of retirement planning services to financial institutions and organizations nationwide, founded by the Federal Home Loan Bank System in 1943. Rausser oversees consulting, BOLI, actuarial, communications, and marketing practice groups at Pentegra….

Don’t Get Spooked: Overcoming Investing Bogeymen

…in search of something sweet. While we do not recoil in horror at these annual sights, many people planning for their retirement live in fear of a different kind of bogeyman: the performance of their portfolio. For these people, how to invest wisely for retirement

The Coming “Lifetime Income Solution” Revolution

…family care costs; and increasing life expectancies. While astutely planning for one’s retirement is a good idea at any age, it understandably becomes a more pressing issue as one nears their retirement. For example, if you are thinking of retiring in two years and start…

The SECURE Act Has Finally Passed – What Does It Mean? (Part One)

The recent passage of the Setting Every Community Up for Retirement Enhancement (SECURE) Act is rightly the cause of celebration throughout the retirement planning industry. As the most significant retirement plan legislation in more than a decade, the SECURE Act (“SECURE” or the “Act”) contains…

You’ve Saved Enough to Comfortably Retire. Now What?

…the forest for the trees” scenario. By definition, retirement planning professionals are primarily concentrating on how to help their clients, and those clients’ employees, to develop a prudent savings strategy in order to achieve a comfortable retirement. We see people constantly striving to “hit their…

When Social Security Loopholes Close

…up feeling you are, as an ursine cartoon character used to put it, “smarter than the average bear.” That is true in the area of retirement planning as well … but take heed: two Social Security benefits loopholes are now closing. The 2015 Congressional budget…

Pensionizing Your Retirement Savings

A blog by Rich Rausser, CPC, QPA, QKA, Senior Vice President, Pentegra Retirement Services – March 3, 2016 The Institutional Retirement Income Council (IRIC) – commonly referred to as a non-profit “think tank” for the retirement income planning community – recently released what it considers…