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3rd Quarter 2013 Economic & Market Review

…a 0.8% drop in the third quarter, they have declined 8.7% for the YTD. For the quarter, intermediate high yield (+2.4%) outperformed U.S. intermediate credits (+1.0%) and intermediate U.S. Governments (+0.4%) per the Barclays indices. Cash and cash equivalents continued to return close to 0.0%….

Long Awaited BOLI Clarification

…include a Deferred Tax Liability (DTL) on its books. The DTL could be used in two ways; in the first, the initial DTL would be based on the total policy cash value minus the initial cost basis as of the date of the transaction/acquisition. The…

Fiduciary Issues in the COVID Era

balance for coronavirus-related loans; extends repayment periods up to one year for both new and existing loans; and allows COVID-affected individuals to “self-certify” such requests. In addition, distribution and loan provisions are optional and may be used immediately as long as a plan amendment is…

Pentegra at 75: Still Going Strong

…demographic – such advice is falling upon deaf ears. A report earlier this year by the Harvard Business Review found that, among Americans aged 40 to 45, “the median retirement account balance is $14,500 — less than 4 percent of what the median-income worker will…

Supporting a Bill for Forming a Federal Retirement Commission

…contribution models. A comprehensive review of private retirement coverage, individual and household accounts balances, investment trends, costs and net returns, and retention and distribution during retirement. A comprehensive review of societal trends, including wage growth, economic growth, unique small business challenges, serial employment, gig economy,…

You Get What You Pay For

…account balances were whole and accurate,” the civil complaint stated. “All the while, Defendants systematically transferred hundreds of thousands of dollars in retirement benefits from the Plan to their own bank account, and for their own gain.” The Richies were ultimately indicted in October 2018…

Big Changes Expected in Form 5500 Reporting

…paid by source.The audit requirement is based on a definition of “eligible participant” that no one but us pension professionals understandsThe new trigger for an audit would be 100 participants with account balances as of the beginning of the year. Much simpler.The old Schedule E…

Fed Patience and Other Curiosities

…interbank loans, lend their reserve balances to each other. The very short-term overnight rate stands as a touchstone for other interest rates throughout the world’s lending markets – one of those being US Treasury market (more on that in a moment). So, the Nothing that…

Rule of Thumb for Decumulation: There Is No Rule of Thumb

…Security providing supplemental income and the rest of the retiree’s account balance consisting of various other pieces, the retiree is in effect “pensionizing” part of their retirement savings. The annuity option should be available to every 401(k) plan participant, regardless of individual circumstances; it should…

Five Tips for Getting Smart About Retirement Right Now

…not just go into auto-pilot. You have to evaluate your investments at least yearly to ensure you are getting the most out your retirement plan. Increase your 401(k) savings every time you get a pay raise, rebalance your account periodically, and consider changing your investment…

Don’t Get Spooked: Overcoming Investing Bogeymen

…they live. If a retiree puts 20 to 25 percent of retirement savings into an annuity, with Social Security providing supplemental income and the rest of the retiree’s account balance consisting of various other pieces, the retiree is in effect “pensionizing” part of the retirement…