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Friday, November 20, 2009
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Retirement Watch
Over the past half century, employer-sponsored defined-benefit pensions have been a crucial source of retirement income and security.
Households that regularly receive advice are better prepared financially for retirement than households that do not receive advice as often.
Traditional retirement income planning assumes that retirees need a steady, inflation-adjusted income stream to cover all their expenses.
The worst financial downturn in nearly a century has caused even the most rational investors to do funny things with their money, many of which may be very damaging to their retirement portfolios.
Which investments offer retirement oriented, long-term investors the best returns?
Which investments offer retirement-oriented, long-term investors the best returns?
Umpteen years in the investment community have taught us that there is a right way and a wrong way to sell a retirement plan to a small-business owner.
Given last year's investment results, especially in 2010 target date funds, there are many who question whether the target date fund concept itself is fatally flawed.
For all the talk of advisers recognizing the importance of female investors, it still seems there's a way to go.
Making a case for long term care insurance can be a challenge under any circumstances.
Financial advisers who handle retirement plans have noted that plan sponsors are now very much aware of the performance of target date funds. But sponsors don't really understand the reason for the performance, according to 76% of advisers polled by my firm.
Understanding how retiree investors are apt to behave can help advisers manage relationships during difficult market environments.
There is a crisis in defined contribution retirement plans. In addition to devastating market losses, employers are ceasing their matches.
Thanks to the Worker, Retiree and Employer Recovery Act of 2008, anyone who would otherwise be required to take a minimum distribution from a retirement account can skip this year's withdrawal.
Jokes about 401(k)s' becoming 201(k)s are no longer funny.
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