…changing the rules for retirement plans with 100 or more eligible plan participants: Rather than requiring them to file an annual audit, as is now required, the new rule states that plans should only count participants with account balances. Thus, if a large company’s plan…
…equity asset class, and invest through funds which partly or fully target infrastructure. Ideally, infrastructure investments provide pension plans long term, regular cash flows to meet longer term liabilities with the possibility of inflation protection. However, there are also rightful concerns over delays and cost…
…orders in a number of states. With the economy teetering and the future uncertain, Congress passed the $2.2 trillion Coronavirus Aid, Relief, and Economic Security (CARES) Act, an unprecedented economic stimulus bill, which was signed into law on March 27. In addition to one-time cash…
…in the others. By dividing your money among stocks, bonds, and cash alternatives you can spread your risk while conserving opportunities for gains. Leave Your Money Alone While borrowing money from yourself may seem like a good idea, it’s not! Money taken out of your…
…requirement of participants to certify in writing or by other electronic means that they do not have sufficient cash or liquid assets reasonably available to address the hardship. Prior to making a hardship distribution, the recipient must agree to preserve source documents and to make…
…costly long-term consequences. The Internal Revenue Service classifies a cash distribution from a retirement plan as income to the person receiving it. It is important to keep in mind that your tax bracket is determined by how much income you earn. If you take a…
…as a distinct asset class alongside stocks, bonds, private equity, real estate and cash. Another important development for pensions has been the introduction in 2018 by the EDHEC Infrastructure Institute of a set of benchmarks, or indices, to evaluate the performance of infrastructure funds. In…
It is commonly stated that investing and asset allocation involve the choice between 3 asset classes: stocks, bonds and cash. However, it has long been believed that certain types of stocks behave differently from other types of stocks. This concept was first developed by Graham…
…contributions either way. Keep in mind that while most employers with a student loan proviso make monthly cash payments against an employee’s debt to the loan holder, those payments are taxed. The employer also benefits by providing such a solution in its recruiting of new,…
…Barclays Capital (“BarCap”) U.S. Aggregate Bond Index (-1.7%) faltered, but the real damage occurred at the long-end of the curve where the BarCap Long Government Index (-8.3%) and the BarCap U.S. Long Credit Index (-7.3%) fell precipitously. Cash continued to produce a yield near 0.0%….
…Longer duration bonds had the most success in Q1as interest rates declined. The Barclays Capital (“BarCap”) Long Government/Credit Index (+3.4%) outpaced both the BarCap U.S. Aggregate Bond Index (+1.6%) and the BarCap Intermediate U.S. High Yield Index (+ 2.4%). Cash continued to produce a yield…
…Markets Longer duration bonds had the most success in Q1. The Barclays Capital (“BarCap”) Long Government/Credit Index (+6.6%) outpaced both the BarCap U.S. Aggregate Bond Index (+1.8%) and the BarCap Intermediate U.S. High Yield Index (+ 2.8%). Cash continued to produce a yield near 0.0%….