…person’s retirement benefits. What does this mean for your retirement savings strategy? This makes it even more important to save as much as you can as early as you can in order to sustain the lifestyle you envision post-retirement. In fact, the vast majority of…
A Fresh Look at Mid-Year (aka “Projected”) 401(k) Testing – or How to “Use” and “Misuse” Projected 401(k) Test Results by Rich Rausser, CPC, QPA, QKA It’s that time of year again, when many clients and their advisors map out a strategy for the remainder…
…to investing for retirement, the column got me thinking about the conundrum that many people face when they attempt to create an investment strategy for their retirement portfolio. Most everyone knows that they need to invest in funds of some kind … but which ones?…
Risk Tolerance Balancing risk and return is key to building your investment strategy. Learn more about the different types of risk and how they impact your retirement investment strategy. Risk Tolerance – Does Your Portfolio Reflect Your Risk Tolerance Gaining a Better Understanding of Inflation…
…a focused approach to your investment strategy is critical. Simply chasing trends can be as futile as poor Dr. Loomis trying to track down Michael Myers in the Halloween flicks. Staying focused on what you are investing for can keep you on track even when…
…about $300 billion. After reaching a high of $18,674 per bitcoin in December, it dropped as low as $7,100 in early February and was trading at about $8,750 per Bitcoin as of 2/12/18 (see chart below). A retirement plan mandated to protect beneficiaries’ assets should…
…first CEFs were offered in 1893. According to the Investment Company Institute, there were 558 CEFs at the end of 2015, holding $261 billion in assets. Over 60% of CEF assets were in bond funds. CEFs are more similar to ETFs than to mutual funds….
…has benefited a majority of retirement-age savers. According to bankrates.com, average 1-year CD rates increased from 0.66% in January 2018 to 1.16% in November 2018. Higher rates have also helped increase pension funded ratios and offset volatility in asset returns. As with any future event,…
“The Financial Markets and the Economy: What to Look for in 2017 The Importance of Asset Allocation ―How to position portfolios for the long term ―What our correlational studies and valuations are telling us ―Where are we looking to put our investment dollars right now…
…plan’s assets are pooled and invested by the plan’s investment manager. If investment earnings exceed the guaranteed rate, the excess is used to offset future plan contributions; if investment earnings are less than the guaranteed rate, plan contributions will have to increase. Investment earnings do…
…coordination with counsel for 401(k) and ESOP Preparation of Investment Allocation Forms Coordination of the establishment of the Trustee/ Custodial relationship Operations Coordination with Market Maker/Underwriter, Transfer Agent and Trustee for initial stock purchase Completion of Plan Stock Order Form for restricted/ unrestricted shares Coordination…
…diversification and asset allocation-and the benefit of due diligence built around the fiduciary responsibility that the sponsor assumes to ensure that plan investments are appropriate for a qualified retirement program. A MEP provides a single Investment Policy Statement that covers all adopting companies. Fund monitoring…