…not just go into auto-pilot. You have to evaluate your investments at least yearly to ensure you are getting the most out your retirement plan. Increase your 401(k) savings every time you get a pay raise, rebalance your account periodically, and consider changing your investment…
…it is unclear with what will happen with interest rates in 2019. The Fed will have to balance a relatively strong U.S. economy and mild inflation, versus external factors such as tariffs, slowing global economies, Brexit, oil prices and geopolitical tensions. There is also the…
…Security. As you consider how to maximize your retirement income, you may be concerned about how to balance spending too much in the early years of your retirement and running out of savings, or being too frugal and leaving excess savings behind. Most of us…
…defined benefit to defined contribution models. A comprehensive review of private retirement coverage, individual and household accounts balances, investment trends, costs and net returns, and retention and distribution during retirement. A comprehensive review of societal trends, including wage growth, economic growth, unique small business challenges,…
…rebalance your account periodically so that you don’t stray too far from your asset allocation goal. Do not put all of your eggs in one basket. With retirement assets, diversification is key. Speculating on large returns by relying on one type of investment can be…
…casual use of a loan while still making it available for situations of real need. Loans are meant to be repaid, of course. Hardship withdrawals, by contrast, are not. They are allowable early withdrawals and absolutely reduce an employee’s retirement account balance. The use of…
…representing major markets, like the S&P 500, while the satellite investments include several actively managed portfolios that serve to provide further diversification, including growth and value styles. Long-term growth fixed-income strategy, which can lead to a more balanced portfolio in the long run. Here you…
…age of 50. Remember to rebalance your account periodically. Consider changing your investment allocation as your age and life circumstances change. Take advantage of your 401(k) plan today to help you build financial security and achieve successful retirement outcomes. Be sure to get more advice…
…consultants and a key tool to have in your arsenal. With a Defined Contribution plan, it’s the employees who make many of the contributions and take on the investment risk. Their retirement benefit is their accumulated balance. With a Defined Benefit plan, the employer makes…
…interbank loans, lend their reserve balances to each other. The very short-term overnight rate stands as a touchstone for other interest rates throughout the world’s lending markets – one of those being US Treasury market (more on that in a moment). So, the Nothing that…
…allows a qualified participant to borrow up to 100% of his or her vested account balance or $100,000, whichever is less, as long as that loan is made between March 27 and September 22, 2020. A couple of notes are necessary here: Some sources have…
…sanctions against Russia have hurt Eurozone trade, especially in Germany. Despite global unrest in many oil-producing countries, a supply/demand imbalance and the aforementioned European slow-down curtailed oil prices in the third quarter. Equity Markets While the S&P 500 Index has risen for seven consecutive quarters,…