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Five Key Concerns for Retirement Plans in 2020

New years are often viewed as opportunities for new beginnings. And while that may be true, it is also the case that a new year can present new problems – or in some instances, the continuation of old problems. When it comes to defined contribution…

Pension Funds and Infrastructure Investment

Infrastructure, as broadly defined, is the basic system of services that a country and a society needs to function properly. Infrastructure includes physical systems such as the roads, air and railway networks, utilities, sewage and water. Infrastructure also includes services such as law enforcement, emergency…

How Innovative Plan Design Can Contribute to a Credit Union’s Success

…most effective tools in plan design today. Such plans are being used more frequently as a way to reward longer tenured employees; reward and incent by job category; restore benefits lost due to a defined benefit (DB)/pension plan freeze or cutback; and/or provide additional benefits…

Electronic Delivery of 401(k) Information: An Idea Whose Time Has Come

…an update of their 2011 study, “Delivering ERISA Disclosure for Defined Contribution Plans: Why the Time Has Come to Prefer Electronic Delivery.” The updated report, they wrote, shows that the need for a shift from paper to electronic delivery “has grown even more compelling and…

US Tax Reform and Retirement Savings – Should the Two be Related

…brackets on investments at current levels (20%, 15% and 0%).1 On its surface, there should be relatively little impact of these proposals on the economics of retirement savings. Tax deferral via defined benefit plans and 401(k) provides a superior means of accumulating wealth for retirement….

Pensions, Retirement & Markets: 5 Questions for 2019

…to defined benefit plans in 2018. In addition, many plans have increased the company match in their 401(k)s. Both contributions and matches may be diminished in 2019 as the tax advantage of front-ended employer contributions becomes less beneficial. On the policy side, higher budget deficits…

Retirement Plan Implications of the New Tax Bill

…relief to closed defined benefit plans that met specified conditions, was also not included. Many of the other changes included in the new law revolve around taxes, which of course will have an impact on participants’ retirement strategies as well. These include: Individual tax cuts,…

Working With Time When It Comes to Your Retirement

…plan is based on the fact that most employers no longer offer defined benefit plans – e.g. pensions. Instead, the onus is now on plan participants to take the bull by the horns and put a little more time and effort into managing their retirement…

Safe. Stable. Secure. A Tax Advantaged Retirement Plan with Guarantees

…want to accomplish these things without market risk, then you need to step onto a path long established but under-utilized by today’s business owners. That is the path of a fully insured tax-qualified retirement plan. This guide explores fully insured defined benefit plans, the large…

The Lure of Non-Qualified Supplemental Retirement Benefit Plans

…to 90 percent referenced above) and the current reality. At that point, a SERP can be put into place to address the shortfall. SERPs can be constructed in various ways, included as “defined contribution” and “defined benefitplans, as will be familiar to most observers…