What makes 401(k) loans risky?
The new tax law has extended the grace period for outstanding 401(k) loans made by workers who switch jobs, luring more participants to borrow from their accounts, exposing them to greater risk.
Investments
The new tax law: retiree tax issues
Taxation of retirement plan distributions and Social Security benefits remains unchanged under the new tax law, but retirees are likely to see an increase in after-tax income.
With stock market volatility, which is better? Robo vs. real advisor
Younger investors may see the market's swing as just another fluctuation in the market, while assuming that time is on their side. Older investors, on the other hand, may be far more stressed.
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
Senators include committee to fix multiemployer plans in budget deal
Pension funds for more than 1.5 million union workers is said to be on the brink of failure.
Public pension doomsday clock stops as funds gain 15%
U.S. state and local governments have good reason to root for stocks to rebound from the crash.
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.
Hold tight or splurge? Booming retirement accounts prompt tough questions
Savers are starting to take money out of their 401(k) accounts—despite taxes and penalties involved—assuming it will be replaced as markets continue to surge upward.
Illinois ponders pension-fund moonshot: a $107 billion bond sale
Lawmakers in Illinois are so desperate to shore up the state’s massively underfunded retirement system that they’re willing to entertain an eye-popping wager.
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.
Benefits Think How to help employees avoid the ‘average participant’ retirement trap
Engaged savers, specifically those who are near the end of work, deserve an appropriate spectrum of risk options.
Shelby George
Manning & Napier
Lower worker expectations on pension-plan promises
With many private and public pensions in the red, employees are advised to look for options that will improve their prospects, such Roth IRAs.
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.
Benefits Think How retirement advisers can avoid the ‘average participant’ trap
Engaged savers, specifically those who are near the end of work, deserve an appropriate spectrum of risk options.
Shelby George
Manning & Napier
3 reasons workers should claim Social Security early
Employees looking to launch a business should consider collecting their retirement benefits early.
One thing workers can do now to improve odds of retiring early
Employees should do a quick assessment of their retirement prospects while still working.
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.
Benefits Think Retirement plan administrators need to look for missing participants
In order to avoid an audit, pension planners should conduct periodic audits for hard-to-find former employees.
Kenneth Ginder
Verrill Dana LLP