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Historically, financial planners have advised that retirees could expect to derive their retirement income from three sources: Social Security, corporate retirement plans and personal savings. That might not be the case anymore.
End-of-year reviews of retirement plan success strategies should also include a candid examination of the job a plan adviser has been doing. Here are some benchmarks to help with that process.
While 401(k) plans may not be the perfect retirement plan vehicle, they do have a number of important attributes that most probably take for granted.
Sound investment advice is hard to come by. Here are four ways to tell if you and your investment committee are getting good investment advice from your adviser.
A relatively small number of easily fixable problems can make a big difference in many 401(k) plans. Check out this list from EBN's retirement blogger Robert Lawton to see if your 401(k) plan can be improved.
A passive portfolio management approach is appropriate for many 401(k) plan participants and individual investors. But indexing isnt right for everyone.
Volatility has returned to the equity markets with a vengeance. The Dow Jones Industrial Average has fluctuated by hundreds of points on many recent trading days. During these times your 401(k) plan participants can become very nervous.
A couple weeks into the post-Bill Gross PIMCO era, plan sponsors may be interested in learning what other plan sponsors are doing with their PIMCO funds in their retirement plans.
As Congress continues to explore ways of making our retirement savings system stronger, legislators should consider requiring 401(k) plans to automatically enroll workers, eliminating participant loan features and allowing unlimited Roth 401(k) contributions.
Commentary: On Friday, September 26, Bill Gross, the portfolio manager of the PIMCO Total Return Bond Fund, left the company for another job. Many financial advisers, including me, believe that his departure is a positive for the Fund and PIMCO. Why is this important to you as a retirement plan sponsor?
Frontier markets include countries like Lebanon, Nigeria, Vietnam, Slovenia and Argentina. Investing in frontier markets is more risky than investing in other international asset classes. In fact, the frontier markets asset class is probably the riskiest available to mutual fund and exchange-traded fund investors.
Many studies indicate that workers should save at least 12% to 15% of their income each year. It is likely that most 401(k) plan participants are not saving anything near this amount.
With such a wide range of opinions about how much money employees need to save for retirement estimates vary from eight to 25 times final pay it can be hard for participants to know what to aim for.
The U.S. Securities and Exchange Commission recently adopted amendments to the rules that govern money market mutual funds. Two of the changes could affect how you manage your 401(k) plan.
We all know how markets have traded most of the time since the 2008 crash. One day everything is moving up in value, the next everything is falling. But things are changing.
From fees and features to funds and fiduciaries, there's lots to consider when reviewing your 401(k) plan.
Making the choice between TPAs serving as 3(16) fiduciaries or going with retirement planning advice in a 3(21) or 3(38) can help make financial management of a 401(k) plan go more smoothly.
Improving employee communication and hiring a service provider to file the Form 5500 can help plan sponsors avoid a DOL audit.
Employment education sessions are a critical way to get plan participants more involved in the personal choices they need to make to maximize their retirement account returns.
Retirement plan sponsors can do their due diligence on the good (and bad) of the financial advisers they work with by using tools such as FINRA's BrokerCheck.
