Results for "defined benefit plans"

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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...

Donald Trump's focus on U.S. debt could hurt retirement accounts

May 11, 2016

The flip side of Donald Trump's focus on U.S. debt could hurt ordinary Americans who own more Treasury bonds than any of the better-known holders of our debt, including China, Japan and Saudi Arabia. Americans own almost $5 trillion in U.S....

The DOL fiduciary rule will forever change financial advice, and the industry has to adapt

May 9, 2016

Americans won hard-fought protections regarding the purity of their retirement advice last month. Now it's up to the nation's financial advisers to decide whether they'll meet the letter — and spirit — of the historic investor protection...

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.

Going under the hood of the new DOL fiduciary rule

April 6, 2016

The Labor Department has just revealed the final scope of a controversial new rule intended to raise investment advice standards on retirement accounts. It's the most significant change in the retirement and IRA marketplace since the ERISA law...

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...

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...

Baby boomers, shift to 401(k)s will send megabucks to advisers by 2020

November 16, 2015

Advisers are poised to see a significant amount of new money coming their way by the end of the decade. By 2020, $1.5 trillion is expected to flow to defined contribution and retail investment markets as money continues to exit pension funds,...

12 predictions about what the Labor Department's fiduciary rule will look like when implemented

November 5, 2015

Opponents of the Department of Labor's controversial conflict of interest rule continue to turn up the political heat. On Oct. 27, the House passed legislation sponsored by Rep. Ann Wagner, R-Mo., that would prohibit the DOL from finalizing...

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...

Advisers need to brush up on plan participants' risks when taking lump sum distributions

September 17, 2015

Veteran financial planners and wealth managers are accustomed to dispensing advice to clients on lump sum payouts. But they may want to brace for more activity in the coming year that includes a couple of interesting twists, both legal and regulatory....

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...

Puerto Rico's default could ripple through average Americans' portfolios

August 3, 2015

Puerto Rico has missed a debt payment, marking a major setback for the U.S. commonwealth. The next step is to look at how the fallout could be felt by average Americans. Half of U.S. open-end muni bond funds are exposed to Puerto Rican debt...

Under regulatory pressure, Voya restricts sales of more variable annuities

July 29, 2015

Voya Financial Advisors has restricted sales of variable annuities for the second time in two months, as the brokerage firm faces increased pressure from regulators questioning the suitability of the products for retirement savers. On Monday,...

IRS shuts lump-sum window for retirees already receiving benefits

July 10, 2015

Defined benefit plan sponsors can no longer replace annuity payments with lump-sum distributions to retirees and their beneficiaries, the IRS said Thursday. With the amendments applying as of July 9, “it definitely has an immediate impact,”...

Krawcheck to advisers: 'Middle-aged white guys' must help women get raises

June 25, 2015

The disparity in pay between men and women is a key source of the retirement-savings gap, and an issue that financial advisers should help their clients overcome, former Merrill Lynch boss Sallie L. Krawcheck said Thursday. In a speech at the...

A retirement plan from the guy who teaches retirement income planning

June 20, 2015

Americans worry about affording retirement, but that doesn't usually translate into hard-core financial planning. Then there's David Littell, the 61-year-old director of the retirement income planning program at the American College of Financial...

BlackRock CEO Larry Fink challenges money managers, politicians on retirement issues

June 16, 2015

BlackRock Inc. chief executive Laurence D. Fink on Tuesday challenged his industry to do a better job of preparing investors for retirement, adding that presidential candidates should debate ways to address the inadequacy of savings during the...

Americans are saving more these days and that's not necessarily a good thing: Fink

June 3, 2015

Americans are saving more money these days. And that's not necessarily a good thing. BlackRock's Larry Fink sees low rates eroding growth. Things are looking up at Pimco. Outflows slow to a trickle. Have you gone away after selling in May? Dan...

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