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Why investment committees should be having discussions about environmental, social and governance criteria, a subset of socially responsible investing and an area of growing interest among employees.
Many plan sponsors and participants don’t trust the federal government to keep its vow to allow tax-free distribution of Roth 401(k) balances. But taxing balances would not produce enough revenue, so the government is unlikely to go that route.
Many plan sponsors and participants don’t trust the federal government to keep its vow to allow tax-free distribution of Roth 401(k) balances. But taxing balances would not produce enough revenue, so the government is unlikely to go that route.
If employers offer an HDHP, executives should be maxing out their HSA contributions, says Robert C. Lawton.
If employers offer a high deductible health plan, all executives should be maxing out their contributions to their health savings accounts, says Robert C. Lawton. Here’s why.
Workers need help understanding how and why to prioritize contributions to a health savings account.
Health savings accounts help workers save for healthcare expenses in retirement. Employees who are eligible to contribute to an HSA should max out those contributions before putting money away in their 401(k) plan, says retirement plan consultant Robert C. Lawton. Here’s why.
There are several reasons you may want to educate workers on the value of leaving their 401(k) assets in your company plan should they leave your employment.
Commentary: From implementing automatic enrollment to eliminating participant loans, here are five actions plan sponsors can take this year to improve their 401(k) plans.
Commentary: From professionally managed accounts to online investment advice and more, here's a look at where progressive plan sponsors will take their 401(k) plans in 2016.
To help 401(k) plan participants put the Federal Reserve interest rate increase into perspective, it may make sense for employers to share the following four messages.
Commentary: The most important element in personal investing, including 401(k) investing, is an investor's understanding of his/her risk tolerance. Virtually all negative investor outcomes spring from a lack of understanding an employee has about his/her ability to bear risk.
Commentary: Theres nothing so wrong with existing target-date fund options that warrant taking on the level of risk that appears to come with a customized TDF series.
Student loan debt, the need to save to buy a car or home or other priorities may cause many younger workers to forgo 401(k) contributions early in their careers. What can employers do to help them catch up?
Reasonable cost, leadership support and an investment line-up that meets the needs of all participants are important attributes of a successful 401(k) plan.
Although target-date funds might not be the right investment vehicle for every 401(k) plan member, here are six reasons theyre better than other options.
The bad equity markets have one silver lining for those executives in your organization that might have large 401(k) account balances: In-plan conversions to Roth 401(k) accounts.
Commentary: Extreme market volatility does not last forever. However, mistakes 401(k) plan participants make by selling out of equity funds at the wrong time can significantly damage their retirement prospects.
Non-government money market funds in 401(k) plans are likely to be institutional prime money market funds that will be affected by reform rules announced by the SEC.
Volatility has returned to U.S. stock markets with a vengeance. How will 401(k) plan participants react?
