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Cash Balance

…substantial and predictable from year-to-year. These plans are considered a hybrid between a defined benefit plan and a defined contribution plan. Like many plan designs, they have their own jargon and complexities that sometimes get in the way. That alone may present a real competitive…

Building A Better 401(K) – Part One

…and outs of the 19 investment options that are typically offered by a defined contribution plan. Instead, clarity of investment choices and ease of use should take precedence over the often-erroneous belief that “the more, the merrier.”Of course, it’s also not true that “one size…

401(k)s and Student Loans – A Good Match?

…that will soon introduce a like program. Weyden’s bill would make student loan benefit programs available to all 401(k) and other defined contribution plan sponsors. His proposal would allow an employer to make matching contributions to its tax-qualified retirement plan for employees making qualifying loan…

401(k)s and Student Loans – A Good Match?

…that will soon introduce a like program. Weyden’s bill would make student loan benefit programs available to all 401(k) and other defined contribution plan sponsors. His proposal would allow an employer to make matching contributions to its tax-qualified retirement plan for employees making qualifying loan…

Market Volatility and the Impact of the Coronavirus

…cutting rates by 50 basis points on an emergency basis on March 3rd. Based on past influenzas, the coronavirus cycle will naturally play out, and hopefully, conditions will improve with the warmer weather, For an investor, maintaining clear objectives and a well-defined investing time horizon…

Managing Money Market Reform

…account in the fund has a person’s name attached to it. However, institutional money market funds, those designated for defined benefit and similar plans, must transact at a floating NAV, meaning the funds’ net asset value can be above or below $1.00. Both retail and…

A Wish List for Santa

…provide a method of turning a portion of a participant’s 401(k) plan into a guaranteed income stream — similar to a defined benefit plan – something pretty nice to find under one’s tree. Santa is of course a busy fellow, especially at this time of…

Gross Domestic Product: What It Does and Doesn’t Tell Us

A blog by Frederic P. Slade, CFA, Assistant Vice President, Senior Director of Investments, Pentegra Retirement Services – September 22, 2015 Gross Domestic Product (GDP) is considered the primary economic indicator of the well being of the United States economy. GDP is defined as the…

Some Thoughts on the US National Debt

…(or surpluses) are defined as the US federal government’s receipts less expenditures. Given that in most years the US has run deficits which have largely been aimed to stimulate the economy (i.e. increased spending, tax cuts), running up debt has been a necessary by-product of…

A Few Notes on Labor Productivity

…Labor productivity is defined as the total amount of output produced per hour of labor, and is reported quarterly for the US economy by the Bureau of Labor Statistics. When labor productivity is growing slowly or declining, this could actually be a signal that more…

Will The Impossible Be Fun This Time?

…Economy? We can’t know for certain, as we are truly in uncharted territory with regards to interest rates, but the most logical explanation is that the capital markets in these locations are expecting deflation. If inflation is defined as paper currency losing value against real…