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Library » Three Considerations For Small Business Owners When Implementing a Retirement Plan
November 17, 2016 | Retirement Plans
Business owners looking to implement a new qualified retirement plan—like a §401(k) plan or a cash balance plan—for the 2016 calendar year must have the plan document signed by 12/31/2016 for the earliest allowable effective date of 01/01/2016. Here are some important points to consider about …
Library » Narrowing In on the Right Approach
August 30, 2016 | Retirement Plans
Introduction One of the primary objectives that plan sponsors are tasked with is designing/implementing an investment menu that affords participants the greatest opportunity to achieve their retirement goals. While this seems like a relatively straightforward task, there is no one-size-fits-all …
Financial Planning » Retirement Planning: Protecting your Investments against Volatility and Economic Concerns
March 22, 2016 | Planning for Retirement
For most retirees, investing can be described as a balancing act; dampen market volatility to fund ongoing expenses, but also generate enough growth to fund those expenses for a long period of time and experience volatility along the way. While putting a large portion of a portfolio in savings …
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IndividualsLibrary » Converge, Volume 9: Collective Investment Trusts (CITs)
March 07, 2016 | Retirement Plans
Lawsuits regarding fees charged in 401(k) plans have become common headlines in the retirement plan industry news. Allegations are typically made against plan fiduciaries and come in several flavors, including that fees were hidden, improperly negotiated, or the product of conflicted …
Audience
Financial AdvisorsLibrary » Focusing on Long-Term Return Objectives in a Low Return World
January 22, 2016 | Market Commentary
Historical Backdrop Assumptions about future returns are made every day by a wide variety of investors. Defined benefit pension plans rely on return assumptions to calculate funding status and necessary contributions while individual investors use them as a guide to determine if they are …
Library » Five Ways to Improve Employee Savings and Participation Rates
August 26, 2015 | Retirement Plans
It’s no secret that the United States faces a bubbling retirement crisis. Evidence to support this conclusion is everywhere. For example, according to EBRI, 43.3% of Early Baby Boomers are expected to fall short of their retirement savings goals by an average of $142,598 per married couple. …
Library » Required Minimum Distributions from IRAs
August 24, 2015 | Retirement Plans
Introduction Many retirees have large IRAs that grow in value over years of saving and investing in qualified retirement plans. However, the government is seeking the tax revenue from lifetime earnings that have been deferred in IRAs throughout their working years. In order to collect tax …
Audience
All AudiencesLibrary » Webinar: Emerging Trends in Retirement Investment Due Diligence
June 15, 2015 | Retirement Plans
This discussion provides retirement plan advisors with industry intelligence on the recent trends in investment menu construction. In addition, it offers actionable advice on how retirement advisors can enhance their current due diligence processes with evaluation of the plan’s unique demographics …
Library » Redefining Outcomes-based Investing
May 14, 2015 | Retirement Plans
Introduction With assets continuing to flow into target date funds (TDFs) and a growing number of distinct glide path designs to choose from, it has become imperative that plan fiduciaries have an effective TDF evaluation program in place. In fact, the Department of Labor’s February 2013 …
Library » Manning & Napier’s Target Date Strategies as a Qualified Default Investment Alternative (QDIA)
June 05, 2014 | Retirement Plans
Introduction The provisions of the Pension Protection Act (PPA) of 2006 defined target date funds as one of three types of qualified default investment alternatives (QDIA) for use in qualified retirement plans. While the final regulations require plan fiduciaries to meet several technical and …