Results for "defined benefit plans"

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As retirement-savings plans go, planning to work longer is a mistake

March 28, 2016

One of the biggest retirement-planning mistakes a lot of investors are making is assuming they will be able to continue working well beyond normal retirement age. It might provide some peace of mind now, but the reality is 50% of retirees have...

Retirement assets plunged 25% in '08

March 18, 2009

The nation's retirement assets shrank by nearly 25% last year and lost more than $2.4 trillion in market value, according to a new report from Chicago-based Spectrem Group. Total assets held in retirement plans — both traditional defined-benefit...

Choosing default investment alternatives for 401(k)s requires close due diligence

May 25, 2016

Target date funds are the runaway top choice to serve as the default option for 401(k) plans. According to the Plan Sponsor Council of America, over 80% of all 401(k) plans elect to use a Qualified Default Investment Alternative (QDIA) and over...

Some retirement plan record keepers resort to aggressive sales tactics with proprietary products

March 27, 2016

Throughout 2014, financial adviser Barbara Delaney repeatedly made the case for using a lower-cost target-date-fund share class on behalf of her client, an employer sponsoring a 401(k) plan. The plan's record keeper, however, which also happened...

DOL fiduciary rule will cause retirement plan advisers to outsource liability

March 20, 2016

Outsourced investment advisory services for 401(k) plans stand to reap the benefits of the Labor Department's proposed rule to raise investment advice standards in retirement accounts. The rule would make fiduciaries of any 401(k) adviser giving...

The implications of the DOL retirement study for plan advisers

March 17, 2016

The government announcement seemed innocuous and fairly bland. On Feb. 29, the Department of Labor published one of those arcane agency notices in the Federal Register. The DOL was seeking public comment on a proposed multiyear series of household...

3 tips for tomorrow's retirement plan adviser

September 21, 2014

25 years ago, the main focus for retirement plan advisers was picking funds for a 401(k) in-vestment menu. While that seems increasingly anachronistic, one of the original selling points of the 401(k) was that it offered a broad range of choice...

Who needs a cash balance plan? Not just New Jersey

February 25, 2015

A tussle over public pensions in New Jersey has put the trusty cash balance plan in the spotlight, as Gov. Chris Christie's pension panel pitches them as a way to manage the state's funding woes. The New Jersey Pension and Health Benefit Study...

Pension giants out of sync with alternative investments

September 3, 2015

When multi-billion-dollar pension funds start darting in and out of alternative-investment strategies, it should raise some questions about what really represents so-called smart money. Regarding the report this week that the board of the $191...

Obama's retirement cap might sound good but it has an annuity problem

February 2, 2015

The White House released its 2016 budget Monday, and among other initiatives aimed at raising tax revenue from the richest of the rich, the Obama administration is proposing a cap on how much money a person can have in all of her retirement...

Integrate college, retirement plans

November 30, 2014

Since September, I have been in front of at least $5 million of potential new assets under management almost every week. How? I help parents determine their best strategy to pay for college and save for retirement. I focus on four key areas:...

Tick, tick, tick: Fannie Mae employees must decide by June 4 on retirement assets

May 26, 2015

Investment advisers and brokers in the Washington, D.C., area may be getting new business from current and former employees of a federal housing agency who must decide within the next week what to do with their retirement funds. The Federal...

Is your core strategy getting flabby?

December 21, 2014

With a historic amount of assets shifting between asset management firms, many retirement plan advisers and plan sponsors are re-examining their bond investing strategies. Just about every plan participant has an allocation to core bonds, which...

The Fiduciary Journey

May 1, 2016

As the room fills to capacity on April 6 with celebratory lawmakers and advocates awaiting the Labor Department's final fiduciary rule, the champion of the measure, Phyllis Borzi, stands quietly at the back.

BlackRock launches retirement income calculator

November 2, 2015

BlackRock has launched a retirement income tool to help advisers have the sometimes difficult conversations with their clients about saving more for retirement. Using the firm's retirement income indexes — known as CoRI, which stands for "cost...

Debt dims boomers' retirement prospects

July 18, 2016

What is the biggest difference between baby boomers' retirement and that of their parents? Many people would say disappearing pensions. But even in the heyday of traditional pensions in 1979, fewer than 40% of U.S. workers were covered by a...

Why the inventor of 401(k)s came to view them as 'monsters'

May 19, 2016

The father of the 401(k) grew to think the plans were better at sending fees back to the financial industry than helping savers. “He believed in doing the right thing.” Mark Cuban says with “100% certainty” that the market will tank...

Longer life expectancies are killing pension funds

February 17, 2015

Pension fund strategies never factored in that people would live as long as they're living. It is a real and growing problem. Mamas, don't let your babies grow up to be pension fund managers Stories of investors being ripped off by advisers...

Why security in retirement is often luck of the draw

January 16, 2015

From a historical perspective, clients seeking to retire at the present time are facing a tough environment. This is a matter I've been working to quantify. We all face an intense vulnerability regarding our lifetime sequence of market returns....

Your next client? Meet the six-figure skilled laborer

January 12, 2015

Advisers: There's a client market where your help is sorely needed — it's called skilled labor, and it could see a bump in the ranks. A recent story in the Wall Street Journal detailed a success story that most financial advisers don't see...

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