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HEALS May Not Offer Much for Retirees – But What About TRUST?

…according to the Bureau of Labor Statistics. It would also clarify the due date for single-employer pension plan minimum required contributions; that date was delayed for 2020 by CARES. In addition, while the CARES Act allows eligible retirement plans to rely on an employee’s self-certification…

How Does A Cash Balance Plan Work?

…to retirement funds until employees reach retirement age. Depending on age at termination, these funds could experience significant erosion due to inflation. Since Cash Balance benefits are expressed in the form of an account balance, employees may feel more appreciative of the contributions being made…

Pensions, Retirement and Markets: Five Questions for 2020

…to join together to create open Multiple Employer Plans (MEPs) and to expand retirement plan participation to part-time workers. 5. Will Exchange Traded Funds (ETFs) continue their rapid growth? While ETF assets remain a relatively small fraction of the total of passive index funds and…

Form 5500 in 2021: What We Know Now

…their annual funding notice to participants, beneficiaries and any labor organizations representing participants. Small plans covering fewer than 100 participants must provide the notice by the IRS filing due date of its Form 5500. July 31: The IRS’s aforementioned Form 5500 due date for plans…

Portfolio Rebalancing in the Recent Market Environment

Recent stock market highs have made it tempting for investors to let their portfolio “ride” the trend of these returns without adjusting their asset mix. How can investors keep their portfolio allocations from drifting too far from their desired target allocations and potentially increasing their…

Time to Get Serious About Your Retirement

…— something you are probably not interested in if you do not work in an investment-related profession — simplify your investment life and use a Target Date Fund or a Model Portfolio. Don’t forget about an old 401(k) from a previous job, if it exists….

Fiduciary Issues in the COVID Era

…investment decisions you make align with it. Another potential pitfall is target dates funds (TDFs). As we saw after the 2008 recession, TDFs can lose value; even though the U.S. Department of Labor says you can use a TDF as a default investment option does…

401(k) Plan Design and Automatic Features

…or at least 30 days in advance of the date of any first investment in a QDIA; or (b) On or before the date of plan eligibility provided the participant has the opportunity to make a permissible withdrawal (90-day withdrawal under Section 414(w) of the…

Navigating the New Defined Benefit Pension Plan Landscape

…private funds. This approach is also designed to contribute to asset growth over the long term. Liability-focused investment strategy, which is designed to hedge interest rate risk. This involves a high-quality fixed-income portfolio that is structured via investment in bond funds; it may also include…