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Some Thoughts on 401(k) Day

…remember that it is never too late. If possible, increase your 401(k) savings rate every time you get a pay raise, no matter what. Review your portfolio regularly. Asset allocation decisions are among the most important that you can make. Studies have shown that asset…

The Growing Use of Collective Investment Trusts in Retirement Plans

…in 2011. What are some potential advantages of CITs versus mutual funds? They include: lower administrative costs and regulatory costs; exemption from certain types of reporting such as prospectuses; and customized pricing flexibility depending upon plan size. Studies have estimated that CIT costs can be…

Target Date Funds

…DATE FUNDS IN A RETIREMENT PLAN? Professional money managers have long recognized the importance of asset allocation. Studies have shown that investment performance is mostly determined by a portfolio’s mix of stocks, bonds, and short-term investments, not individual stock and bond selections. In many plans,…

Is there a Baby Boomer Retirement Effect on the Stock Market?

…stock market as they cash in their savings? After all, boomers (i.e. those aged 46-64) have been estimated to own nearly 50% of the U.S equity market. Recent studies by Vanguard1 and others have cast doubt on the theory that boomer retirements will depress the…

Pensionizing Your Retirement Savings

…the trends to watch in our industry this year. The IRIC’s overall conclusion, as stated by a Yahoo Finance article, is that “there is a growing need for retirement plan sponsors to help participants with retirement readiness and securing their financial future. This will drive…

Don’t Get Spooked: Overcoming Investing Bogeymen

…a focused approach to your investment strategy is critical. Simply chasing trends can be as futile as poor Dr. Loomis trying to track down Michael Myers in the Halloween flicks. Staying focused on what you are investing for can keep you on track even when…

The Case for BOLI

A blog by Fabrizio D’Uva, Regional Director, BOLI & Non-Qualified Benefit Plans – February 3, 2015 With the new year upon us, it may be time for banks to reconsider BOLI, given the most recent positive trends regarding how it’s growing so impressively. BOLI (Bank-Owned…

Building A Better 401(K) – Part One

…model portfolios are all fine examples of a workable, easy to understand QDIA solution. As for the trends in automation: Over 50 percent of large companies offer auto-escalation, while smaller companies are in the 10-12 percent range. Why the gap? Typically management at smaller companies…

The Weak and The Strong-A Note on Exchange Rates and Currency

…we consistently get back fewer US Dollars. Recent trends have shown a weak US Dollar versus the Euro: in July 2012, $1.20 was required to buy €1.00, while currently $1.34 is needed to buy €1.00. When the Euro was first introduced in 1998, $1.18 was…

Some Thoughts On China And The Us Economy

and major force for the United States, the world economy and global capital markets. Stay tuned. Notes 1. Wayne M. Morrison, “China’s Economic Rise: History, Trends, Challenges, and Implications for the United States”, Congressional Research Service, February 3, 2014. 2. United States Census Bureau, Top…

Benchmarking Your Organization’s Retirement Plan

While assessing whether or not your plan is in line with the current trends and best practices for retirement plans may be low on your “to do” list, it is important factor when it comes to employee recruiting and retention, and also in meeting your…