…extra percentage point or two can really help boost your account’s balance years from now, when it really count. Rebalance your 401(k) plan investments. Resetting your asset allocation will bring your portfolio’s weightings back into balance. Remember: Simply splitting your portfolio evenly between various markets…
…plan’s trust account. General rule. Federal pension regulations basically provide that employee contributions become plan assets as of the earliest date on which the contributions can reasonably be segregated from the employer’s general assets. Since this earliest date standard does not set a clear-cut deadline,…
…plans. Cross Tested plans use non-traditional allocation methods. Under a Cross Tested plan, an organization can place participants in their own groups, or segments. These groups are typically determined based on length of service or compensation, or attaining certain organizational goals. On an annual basis,…
…This structure wouldn’t cost more for ABC Corp, and it would have the additional goal of encouraging at least 6% in employee contributions. Plus, everyone would at least get something. An employer can even attach allocation conditions to a profit sharing contribution. For example, only…
…of legal action, such as participant divorce proceedings or dis-gruntled employee lawsuits. Participant information that should be retained includes: Determination of eligibility Hire and termination dates Beneficiary designations Notarized spousal consents and waivers Loan, hardship, and distribution documentation Hours worked for vesting and allocation purposes…
…accumulation phase, you are now entering a “decumulation” phase, where your income stream must cover basic expenses for shelter, food, utilities and other routine bills, as well as “pleasure” expenses, such as travel, hobbies and other fulfilling activities. While planning your decumulation strategy with a…
…what are called non-qualifying assets. These are investments that include limited partnerships, artwork, collectibles, mortgages, real estate or the securities of “closely-held” companies. If a plan has more than 5% in these non-qualifying assets, the company needs either a bond amount equal to 100% of…
…now. To be clear, pension plans in general (including the Pentegra DB and DC Plans) do not consider cryptocurrencies to be an appropriate component of a plan’s asset allocation, largely for the following reasons; Cryptocurrencies are highly volatile and unstable, and trading is dominated by…
…many of us feel unsure. Join us for a discussion on the details of decumulation. We’ll help you piece together the puzzle surrounding forms of payment, taxes, asset allocation, and timing by diving into the details of each. We’ll show you how these different components…
…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…
…a strategy and align that strategy with their long-term goals. Participants often cannot measure whether they are on track to meet their retirement planning goals without first taking the steps to determine what the goals are. Rethink communication and education programs to help participants think…
…is a bit unusual for us here at Pentegra … but is, I believe, worthy of consideration. The Forbes headline – “Your Retirement Plan May Be Inside Out” – suggests that its subject is about how your retirement investment strategy might not be sound: You…