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Is the Dow Jones hitting 20,000 meaningful?

A blog by Scott Stone, CFA, FLMI Senior Vice President & Chief Investment Officer and Frederic Slade, CFA , Assistant Vice President & Senior Director-Investments A few weeks ago, a reporter sent the Pentegra investment team an inquiry, asking us for our opinion about the…

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

…that also addresses a credit union’s business needs. Designing the right retirement program requires a keen understanding of an organization’s management philosophy; compensation strategy; competitive considerations and analysis; demographic considerations; the maturity of the institution; and – of critical importance in today’s shifting landscape –…

Use Benchmarking to Your Advantage

…easily quantified than things like expertise and quality and the care of consulting that we deliver together. When cost is the primary driver, benchmarking is a pretty straightforward quantitative analysis.  When you’re prospecting it’s an offensive strategy as you invite employers to look at potential…

Coping with Market Volatility

Market volatility can sometimes cause us to make emotional financial decisions. That may not be the best strategy when saving for retirement. Join us as we discuss ways to help manage your investment strategy during times of market volatility, including: Evaluating where you are &…

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

…target asset allocation with periodic rebalancing depending upon the financial markets. NOTE: Information presented herein is for discussion and illustrative purposes only and is not a recommendation or an offer or solicitation to buy or sell any securities. Past performance is not a guarantee of…

Decumulation – Strategies and Trends

…many of us feel unsure. Join us for a discussion on the details of decumulation. We’ll help you piece together the puzzle surrounding forms of payment, taxes, asset allocation, and timing by diving into the details of each. We’ll show you how these different components…

How to Keep Your Retirement Fund Working for You

…accumulation phase, you are now entering a “decumulation” phase, where your income stream must cover basic expenses for shelter, food, utilities and other routine bills, as well as “pleasure” expenses, such as travel, hobbies and other fulfilling activities. While planning your decumulation strategy with a…

Rising Interest Rates, BOLI, and You

…shelter given BOLI’s status as a tax-free asset, BOLI is also utilized to help offset ever-increasing employee benefit expenses. Unlike many investment security products, General and Hybrid Account BOLI are not mark-to-market assets. Banks earn income from the growth of the BOLI cash value and…

What is Bitcoin?

…about $300 billion. After reaching a high of $18,674 per bitcoin in December, it dropped as low as $7,100 in early February and was trading at about $8,750 per Bitcoin as of 2/12/18 (see chart below). A retirement plan mandated to protect beneficiaries’ assets should…

The Uncertain Future of the PBGC

…insurance premiums paid by sponsors of defined benefit (DB) pension plans; assets held by the pension plans it takes over; recoveries of unfunded pension liabilities from plan sponsors’ bankruptcy estates; and investment income. According to its fiscal 2015 report, PBGC pays monthly retirement benefits to…

The Growing Use of Collective Investment Trusts in Retirement Plans

…available to qualified retirement plans whereas mutual funds are open to all plans. Most CITs tend to be invested in index funds, although actively managed offerings have been expanding. There has been significant recent growth in both the assets and the utilization of CITs in…

A Tale of Two Businesses

asset for a small business. Retirement plans can be designed to help small business owners preserve what they have built, achieve the retirement life they want and protect their assets. Think you can’t afford a retirement plan? Think again as you consider the following hypothetical…