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Dealing with the DOL and Missing Plan Participants

…(IRAs) in 2016.” The GAO noted that, when account owners do not claim money from retirement savings accounts or cash checks from their plans, the funds may be transferred to the appropriate state’s unclaimed property offices; assets and uncashed checks from employer-sponsored retirement plans like…

Bond Fund Investing 101

…in considering them as part of your overall investment strategy. What is a bond fund and how does it work? Bond funds invest in bonds and other interest-earning securities issued by governments and corporations. Bonds are sold to raise money—to build factories or bridges or…

Can Pension Plans Help the Economy?

…levels of long-term business investment and job growth. Some of these pension-related savings do complement other forms of personal savings that would otherwise be done by households and individuals. These alternative savings would include 401(k) plans, IRAs, taxable mutual funds and savings accounts. Even accounting…

Pensions, Retirement and Markets: 5 Questions for 2018

…their boom as an investment option? While ETF assets remain a relatively small fraction of total passive index funds plus actively managed funds, there has been an explosion in ETFs. The 1,716 ETFs at year-end 2016 are more than double the number at the end…

3rd Quarter 2018 Economic & Market Review

…moderated, as year-over-year home sales were flat to slightly positive, while year-over-year home price increases slowed to less than a 6% growth rate. The Federal Reserve (the “Fed”), in September, raised the federal funds rate target by 25 basis points to a range of 2.00%…

1st Quarter 2018 Economic & Market Review

…a cyclical low. The housing market was mixed, as year to date home sales declined while year-over-year prices were up more than 6%. The Federal Reserve (the “Fed”), in March, raised the federal funds rate target by 25 basis points to a range of 1.50%…

1st Quarter 2016 Economic & Market Review

…of expected rate increases for this year from four to two. (recall that the FOMC’s much anticipated interest rate “lift off” began in December of last year as it increased the fed funds rate target by 25 basis points to a range of 0.25% to…

The Role of the Federal Reserve: How Has It Evolved and Expanded?

…led to concerns that since the banks are not currently lending these funds to businesses, that once these once these funds are released, this will cause inflation. Another potential risk from the Fed’s balance sheet is a rise in interest rates creating losses in the…

Retaining Plan Records

…and the plan’s nondiscrimination and coverage test results. Indefinite Period Records that need to be kept for an indefinite period include those necessary to determine benefits and eligibility for plan participation. By necessity, such records would include any related to dates of service, eligibility, vesting,…

Some Thoughts on 401(k) Day

…to think about a realistic retirement date based on where you are at right now. This “date” is not set in stone and may change over time, but you have to start somewhere. Sit down and do the math using retirement income calculators online to…

The End is Near!..or is it? -Part Two

…calculate the P/E doesn’t alter the conclusion. Here are the last dates prior to the last year at which the market traded at an estimated P/E of 16.25x, where it is today: Month of OccurrenceTotal Return 1 year laterTotal Return to DateJul-0913.82%16.74%Dec-07-37.00%6.77%May-07-6.63%5.78%Dec-065.57%6.61%Dec-0515.21%7.62%Based on Data from…