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Library » Retirement Portfolio Withdrawal Requirements

February 28, 2014 | Planning for Retirement

Introduction It is well known that tax-advantaged savings vehicles can provide benefits to investors over the long-term when compared to portfolios that do not provide tax advantages. However, investors are often unsure to what magnitude their “tax-advantaged” or “tax-deferred” accounts are …

Library » The Re-Emergence of Collective Investment Trust Funds

February 15, 2014 | Retirement Plans

Introduction As the retirement plan industry has evolved, so has the structure of investment vehicles used in 401(k) plans. Collective Investment Trust funds (CITs) have been available for decades (first launched in 1927) and were offered in very early 401(k) plans. However, the early versions …

Library » The Role of Behavioral Finance in the Development and Evolution of Target Date Funds – How To Maximize Participant Outcomes

January 02, 2014 | Retirement Plans

Introduction In many ways the foundation for target date funds on participant choice menus rests in the principles of behavioral finance. It was not until plan sponsors and regulators began to understand that behavioral finance concepts influenced participant behavior that auto enrollment, …

Library » The Benefits of Incorporating a Full Range of Lifestyle Options on an Investment Menu

January 02, 2014 | Retirement Plans

Introduction A well-structured and well-communicated investment menu can help Plan Sponsors manage their fiduciary liability and is key to minimizing a wide range of common problems associated with participant-directed plans. To that end, lifestyle or risk-based options have been promoted as a …

Library » Manning & Napier’s Risk-Based Strategies as a QDIA

December 30, 2013 | Retirement Plans

Introduction The provisions of the Pension Protection Act (PPA) of 2006 defined balanced and risk-based 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 …

Library » Helping Employers and Employees Navigate the Health/Wealth Convergence

November 18, 2013 | Retirement Plans

Introduction Mariners understand that some of the trickiest waters to navigate are located where two strong currents converge, creating powerful and dangerous swirls. Both employers and employees find themselves attempting to navigate the waters where the strong currents of retirement planning …


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