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Library » Profit Sharing Allocation Methods - The Better Part of Discretion
May 13, 2014 | Retirement Plans
Most Profit Sharing/401(k) Plan sponsors have the basic understanding that the plan contributions must not discriminate in favor of the owners and other highly paid participants over non-owners and non-highly paid participants. Many business owners interpret this to mean “I can’t contribute more …
Library » Common Fiduciary Considerations Related to Target Date Options
May 12, 2014 | Retirement Plans
Introduction Given the variety of target date options available in the marketplace today, how does a plan fiduciary determine which family is right for a specific plan? When evaluating target date options, it is important to keep in mind that quantitative factors play an important role. However, …
Library » Converge, Volume 2: Balancing Physical & Financial Wellness
May 09, 2014 | Retirement Plans
As health care spending has grown to represent a larger portion of the overall economy, and in turn a larger portion of employers’ and employees’ budgets, the financial impacts of out-of-control health spending have become clear. Health care premiums for a family have increased 80% in the last …
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Financial AdvisorsLibrary » Converge, Volume 2: Know Before You Go
May 09, 2014 | Retirement Plans
Defined contribution concepts are commonplace in retirement plan circles. The model is familiar: employers and employees contribute definite amounts of money to the retirement plan, and at retirement, employees are entitled to receive their account balance, either in a lump sum or paid out over …
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Financial AdvisorsLibrary » Why a Coordinated Portfolio Management Structure is Important
April 29, 2014 | Active Management
Portfolio Management Structure refers to the basic issues related to setting up and maintaining an investment portfolio. The key issues to consider when evaluating a portfolio’s management structure include: the mechanism for adjusting the portfolio to fundamental shifts in the market and …
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All AudiencesLibrary » Why Asset Class Diversification is Important
April 16, 2014 | Active Management
One of the most effective risk management tools available to investors is diversification across multiple asset classes (e.g., stocks, bonds, and cash). A portfolio’s distribution across various asset classes is referred to as the portfolio’s asset allocation. Academic studies have shown that …
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All AudiencesMarkets & Economy » High Frequency Trading: Under the Spotlight
April 15, 2014 | Investment Management
High frequency trading (HFT) has once again found itself in the spotlight. With the release of a new book highlighting the dangers and inequities of the practice, a recent 60 Minutes lead story, countless articles in well-circulated publications, and a federal investigation into the very legality …
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All AudiencesLibrary » Why Managing Capital Risk Is Important
April 14, 2014 | Active Management
While risk is often defined by various statistics, the broadest definition of risk to investors is failing to achieve one’s investment objectives. There are three basic portfolio risks that can prevent an investor from reaching his/her goals: Capital Risk - the possibility of sustained …
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All AudiencesLibrary » The Importance of Managing Inflation Risk for Long-Term Investors
April 09, 2014 | Active Management
Introduction to Risk Management While risk is often defined by various statistics, the broadest definition of risk to investors is failing to achieve one’s investment objectives. There are three basic portfolio risks that can prevent an investor from reaching his/her goals: Capital Risk—the …
Library » An All-Cap Core Investment Approach
April 08, 2014 | Active Management
What is an All-Cap Core Approach An All-Cap Core investment approach expands equity opportunities to include all levels of market capitalization and the range of style classifications. Rather than a constrained focus on a limited area of the investment universe, an All-Cap Core approach allows …