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Pensions, Retirement & Markets: 5 Questions for 2019

…it is unclear with what will happen with interest rates in 2019. The Fed will have to balance a relatively strong U.S. economy and mild inflation, versus external factors such as tariffs, slowing global economies, Brexit, oil prices and geopolitical tensions. There is also the…

The Federal Government May Be Getting Serious About Retirement – Finally

…defined benefit to defined 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,…

Navigating the New Defined Benefit Pension Plan Landscape

…representing major markets, like the S&P 500, while the satellite investments include several actively managed portfolios that serve to provide further diversification, including growth and value styles. Long-term growth fixed-income strategy, which can lead to a more balanced portfolio in the long run. Here you…

Some Thoughts on 401(k) Day

…age of 50. Remember to rebalance your account periodically. Consider changing your investment allocation as your age and life circumstances change. Take advantage of your 401(k) plan today to help you build financial security and achieve successful retirement outcomes. Be sure to get more advice…

DB Plans are Alive and Well

…consultants and a key tool to have in your arsenal. With a Defined Contribution plan, it’s the employees who make many of the contributions and take on the investment risk. Their retirement benefit is their accumulated balance. With a Defined Benefit plan, the employer makes…

The Loan They Never Take May Make All the Difference

…casual use of a loan while still making it available for situations of real need. Loans are meant to be repaid, of course. Hardship withdrawals, by contrast, are not. They are allowable early withdrawals and absolutely reduce an employee’s retirement account balance. The use of…

How Are RoboAdvisors Changing the Investment Industry?

…interest rates. Too Frequent Rebalancing: RoboAdvisors rebalance portfolio asset allocations with varying frequency, including daily, monthly and quarterly. In my November 28, 2017 BenefitsPro blog, analysis indicated that annual rebalancing was as, or more, efficient than monthly rebalancing. While no one method is most effective…

3rd Quarter 2014 Economic & Market Review

…sanctions against Russia have hurt Eurozone trade, especially in Germany. Despite global unrest in many oil-producing countries, a supply/demand imbalance and the aforementioned European slow-down curtailed oil prices in the third quarter. Equity Markets While the S&P 500 Index has risen for seven consecutive quarters,…

2nd Quarter 2013 Economic & Market Review

Economy U.S. corporations continued to improve their balance sheets albeit at a slower pace this past quarter than in recent months. In contrast, countries of the euro-zone have been slow to adopt austerity measures, and remain in recession. Federal Reserve Chairman Bernanke drew ire, and…

FAQ’s About Required Notices

…employees and plan beneficiaries who fail to direct the investment of their 401(k) plan account balances must provide a QDIA notice. The notice must reach employees and beneficiaries at least 30 days before (1) they are eligible to participate in the plan or (2) the…