Results for "401(k)"

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Nuveen adds direct real estate to target-date funds

April 24, 2017

There are plenty of reasons why owning direct real estate inside a registered mutual fund could present challenges to a portfolio manager, but Nuveen is focusing on the potential upside by adding real estate to it TIAA-CREF Life Cycle Funds....

Avoid these common RMD mistakes

April 24, 2017

With roughly 10,000 baby boomers turning age 70½ every day, knowing how to help clients take required minimum distributions from retirement accounts like 401(k)s and IRAs is becoming more important for advisers. The topic of RMDs is actually...

In K-12 403(b) plans, employees and their unions can be their own worst enemy

April 20, 2017

Defined contribution plans for public school teachers are notoriously poor retirement plans, often described as a Wild West of sorts that's plagued by minimal plan oversight, subpar investment options, and fund and insurance brokers who are...

Top 10 record keepers of defined contribution plans

April 13, 2017

The largest defined-contribution-plan record keepers all experienced positive asset growth last year, according to Pensions & Investments' annual record keeper survey. Bank of America Merrill Lynch, the No. 7 service provider by assets, had...

What will be the next big thing for 401(k) plans?

April 13, 2017

Defined contribution plans have been around for about four decades, and have been popular with small and mid-sized companies for about 25 years. The evolution of 401(k) plans and 403(b) plans over that time, during which they became a replacement...

President Trump signs resolution to effectively kill city auto-IRA rule

April 13, 2017

President Donald J. Trump on Thursday signed into law a resolution that nullifies Obama-era retirement rules meant to encourage cities and other municipalities to develop auto-IRA programs for private-sector workers. The resolution, H.J. Res....

Retirement plan advisers should bone up on lifetime income

April 11, 2017

The continuing demise of defined benefit plans and increasing concern about the future of Social Security have dramatically reduced the certainty of retirement income for most Americans. Guaranteed income options in defined-contribution plans...

Why the Senate should overturn state retirement rules

April 11, 2017

Why are state governments implementing mandatory retirement plans? The answer is simple: Some Americans are not saving for retirement and an auto-enrollment IRA program could increase the retirement savings rate. The tougher question: Why are...

More 401(k) advisers face litigation risk in June under DOL fiduciary rule

April 11, 2017

A greater number of advisers and firms servicing 401(k) plans and their participants could be at risk of litigation in a few months' time, when implementation of some provisions of the Labor Department's fiduciary rule are set to kick in. This...

Advisers should heed fiduciary principles in ongoing Tibble 401(k) suit

April 11, 2017

At the end of last year, Glenn Tibble's long-standing claim against Edison International regarding excessive 401(k) fees was given an opportunity to continue by the U.S. Circuit Court of Appeals for the Ninth Circuit. The primary issue in that...

BlackRock sued for alleged self-dealing in its 401(k) plan

April 10, 2017

BlackRock Inc., the world's largest asset manager, is being sued by a former employee for self-dealing in the company's 401(k) plan, the latest excessive-fee case involving an asset manager offering proprietary investment funds to retirement...

3(38) vs. 3(21) investment fiduciary services: the pros and cons for 401(k) advisers

April 7, 2017

As lawsuits targeting 401(k) plan sponsors have proliferated and buzz around the Department of Labor's fiduciary rule continues building, demand for investment fiduciary services has grown among employers, and advisers have evolved to meet the...

Senate, House introduce bills mandating lifetime income disclosures for 401(k) plans

April 6, 2017

Bipartisan legislation was introduced today in the Senate and House of Representatives that would require employers to provide 401(k) participants with a projection of monthly income at retirement, based on their current account balance. Johnny...

Judge in Putnam 401(k) suit deals potential setback to plaintiffs using Vanguard as fee benchmark

April 6, 2017

A federal judge has seemingly dealt a blow to plaintiffs bringing claims against financial services companies for excessive retirement plan fees, following a recent ruling in a self-dealing lawsuit involving Putnam Investments' 401(k) plan....

Fidelity follows Empower in launching TDF-managed account hybrid

March 31, 2017

Fidelity Investments, the largest retirement plan record keeper, has introduced a new service for defined contribution plans that would allow employers to default employees into either a target date fund or a managed account. Record keepers,...

Senate votes to kill city auto-IRA rules

March 30, 2017

The Senate voted Thursday to kill Obama-era retirement rules meant to promote the creation of so-called auto-IRAs for municipalities such as cities and counties. The chamber voted 50-49 in favor of a resolution of disapproval, H.J. Res 67, to...

Pooled employer plans set to dominate small 401(k) market

March 29, 2017

Market forces are in place for the so-called pooled employer plan (PEP for short) to proliferate, and legislation with bipartisan support is lined up to make them a reality. So what's driving the move to PEPs, a type of open multiple employer...

Record keeper Empower jumps into HSA market, as Fidelity expands

March 28, 2017

Two of the largest retirement plan record keepers, Empower Retirement and Fidelity Investments, are growing their health-savings-account businesses, at a time when such accounts are becoming more popular and providers are feeling the pressure...

Change in Washington shouldn't include cutting tax deferrals

March 26, 2017

It seems incomprehensible that lawmakers would do anything that would reduce incentives for Americans saving for retirement, but the Republican-controlled Congress and the Trump administration just may have 401(k) plans on their radar as a way...

Merrill Lynch and Morgan Stanley: A tale of two fiduciary 401(k) business models

March 24, 2017

The wealth management units at Merrill Lynch and Morgan Stanley within the past few weeks announced substantive changes to their respective 401(k) businesses, and while each approach shares common ground they also differ in notable ways. Where...

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