More savers are rejecting retirement accounts in favor of these investments
Data from retail investors firm Hearts & Wallets show that the number of clients owning taxable brokerage accounts has increased 10% over the past five years.
Investment strategies
Benefits Think The hidden DC plan sponsor priority: enabling auto-portability
Employers should concentrate on adopting measures that enable seamless plan-to-plan savings portability for participants, especially for employee accounts with less than $5,000.
Spencer Williams
Portability Services Network and Retirement Clearinghouse
Benefits Think The importance of ‘style’ when selecting an investment manager
Advisers and plan sponsors should include this important tool in their analytical toolbox.
Jess DeGabriele
LHD Retirement
Employees’ Social Security checks might be smaller than expected
Benefit are usually expected to replace about 40% of their pre-retirement income, but that's an average, so many workers will get even less. The question is: how much less?
How to fortify retirement plans against a financial shock
A decline in income as a result of the death of a spouse and an increase in medical expenses both pose a serious risk to retirement but can be curbed with proper planning.
More employers are offering Roth 401(k)s
More workers are gaining access to a Roth 401(k), and employees should take advantage of it.
Benefits Think How tax reform could influence defined benefit funding decisions
The legislation presents many plan sponsors with an immediate opportunity to make a pension contribution in 2018 and obtain a deduction at the higher 2017 tax rate.
Beth Ashmore
Willis Towers Watson
Benefits Think How tax reform could influence defined benefit funding decisions
The legislation presents many plan sponsors with an immediate opportunity to make a pension contribution in 2018 and obtain a deduction at the higher 2017 tax rate.
Beth Ashmore
Willis Towers Watson
Single? Married? Divorced? How and when workers should claim Social Security
Employees have a hundred—if not a thousand—possible options to consider when claiming Social Security benefits.
Millennials’ comfort with robo advisers may hide investing pitfalls
Younger employees could be too confident in the abilities of automated retirement investment tools, study finds.
Millennials’ comfort with robo advisers may hide investing pitfalls
Younger employees could be too confident in the abilities of automated retirement investment tools, study finds.
Workers putting retirement savings ahead of regular savings
New research finds that Americans are stashing more cash in their 401(k)s than in savings account.
Millennials can exit workforce by 50 with careful planning
Many younger workers find it difficult to think beyond their student debt, which averages $32,731 with an average monthly payment of $393, according to the Federal Reserve.
Even responsible savers make retirement mistakes
Holding too much cash is one of the common errors that employees make when saving for retirement.
3 unexpected retirement costs that can shake up employees’ finances
While clients cannot determine their health care expenses and taxes in retirement, they can improve their prospects by minimizing investment fees and diversifying their portfolios.
Good and bad news about America’s retirement accounts
While the average savings in retirement accounts increased markedly in recent years, the amounts varied significantly by income levels, experts say.
Good news and bad news about America’s retirement accounts
While the average savings in retirement accounts increased markedly in recent years, the amounts varied significantly by income levels, says an expert.
Preparing employees for a stock market downdraft
Workers should consider the next market downturn as an opportunity to invest in stocks that are "on sale."
End of the Social Security number? A White House official thinks so
The Equifax hack has prompted the Trump administration to look at ways to establish a safer technology to replace the existing Social Security number.
End of the Social Security number? A White House official thinks so
The Equifax hack has prompted the Trump administration to look at ways to establish a safer technology to replace the existing Social Security number.
