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Spotlights » Shedding Some Light on CITs
September 22, 2015 | Investment Themes
Early Collective Investment Trust Funds (CITs) were pools of securities, traded manually, and typically valued only once a quarter. Today, there is growing concern over how 401(k) plans are structured and the costs involved. Here we look at some of the myths these investment products still carry …
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 …
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Library » Raising the Bar on Target Date Due Diligence: Demographics Matter
June 22, 2015 | Retirement Plans
Manning & Napier and Strategic Insight are pleased to provide this whitepaper highlighting emerging trends and fiduciary considerations regarding certain popular industry target date due diligence tools. Investment due diligence–especially of the retirement plan’s default investment option–is …
Library » 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 …
Spotlights » The QDIA Decision
September 04, 2014 | Retirement Plans
The QDIA Decision, written in collaboration with Fred Reish and Bruce Ashton, will assist fiduciaries in choosing a suitable type of QDIA (Qualified Default Investment Alternative), as well as an appropriate investment strategy fit, thus fulfilling their obligation under ERISA guidelines for the …
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 …
Library » Types of Qualified Plans
May 20, 2014 | Retirement Plans
Before adopting a qualified plan, an employer should first understand the various types of plans available, so that a plan that best meets the employer’s goals and objectives can be chosen. Qualified plans come in two basic flavors: Defined Contribution (DC) Plans and Defined Benefit (DB) Plans. …
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 …