…no rebalancing over the 2008-2021 period, the portfolio drifted from its initial 60%/40% target stock/bond mix to 77% stocks and 23% bonds, a far more aggressive allocation. Even just annual rebalancing moved the mix much closer to the 60%/40% target. While monthly rebalancing resulted in…
…of the other company. That would include, of course, responsibility for the target company’s retirement plans. In an entity purchase, as you’d expect, the target company becomes part of the acquirer’s organization. In that case, the acquirer generally does become responsible for the target company’s…
…target, but the longer term fear is that Federal deficits, an eventual economic recovery or supply chain issues (such as higher food prices from shortages) could cause the Fed to pull back their support for fear of exceeding its inflation target. For example, when the…
…to raise awareness of the credit, especially in minority communities. Help American families accumulate emergency savings while increasing targeted financial wellness advice and assistance with saving, debt, and budgeting. Create child savings accounts. Adjust the new part-time workers in 401(k) plans provision to require only…
…for investment losses related to contributions made on behalf of participants who failed to make their own investment choices. Under the regs, a QDIA can be either a target date fund, a balanced fund or a professionally managed account. It’s important to note that the…
…a feature that automatically raises employee contribution rates a little each year until they reach their target savings rate. This is really important since auto-enrollment usually starts at a savings rate of 3%, which is too low for most people to save and earn enough…
…the crisis and that wrongly targets Social Security and Medicare to reduce deficits that have expanded because of needed pandemic relief. “These programs are critical to millions of Americans who rightfully expect Congress to be careful stewards of their earned benefits,” she continued. “Social Security…
…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…
…— something you are probably not interested in if you do not work in an investment-related profession — simplify your investment life and use a Target Date Fund or a Model Portfolio. Don’t forget about an old 401(k) from a previous job, if it exists….
…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…
…and dates of birth but also banking details — it is no surprise that cyberattacks are on the rise in our industry. It should also hardly come as news that many plan sponsors and fiduciaries have for some time regularly been targets of any number…