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DOL’s Cybersecurity Guidance Arrives Just in Time

…to just what an issue cybersecurity has become. Information security research firm Cybersecurity Ventures estimates that by 2025, cyberattacks will cost businesses worldwide $10.5 trillion annually. In the meantime, EBSA estimates that, as of 2018, there were 34 million defined benefit plan participants in private…

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…

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…

Labor Productivity Revisited

In my April 2015 blog, A Few Notes on Labor Productivity, I discussed how productivity is defined by the US Bureau of Labor Statistics (BLS) and its potential impact on employment, inflation and economic growth. The blog emphasized that it is important to distinguish between…

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,…

Portfolio Rebalancing in the Recent Market Environment-Revisited

…their exposure to sudden market downturns-such as in 2008, late 2018 and the first quarter of 2020? A well-known form of adjustment is known as rebalancing. I first posted a blog on this subject in the 2017 Current Thinking. Rebalancing can be defined as reducing…

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…

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….

Working With Time When It Comes to Your Retirement

…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…

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…