Benefits Think What’s really draining employee 401(k) accounts
It’s not just fees that are eroding retirement nest eggs. It has more to do with bad employee behaviors.
Cynthia Loh
Betterment for Business
Retirement withdrawals
Benefits Think How to create a state-of-the-art 401(k) loan program
Plan sponsors should limit loans to hardship criteria, allow just one at a time and refer potential borrowers to an employee assistance program for financial counseling.
Robert C. Lawton
Lawton Retirement Plan Consultants
Benefits Think How to create a state-of-the-art 401(k) loan program
Plan sponsors should limit loans to hardship criteria, allow just one at a time and refer potential borrowers to an employee assistance program for financial counseling.
Robert C. Lawton
Lawton Retirement Plan Consultants
Why retiring together makes sense (usually)
Couples would be better off retiring at the same time, as they face major life changes together. And leaving a career-driven spouse at home in retirement can throw a marriage out of whack.
Benefits Think 401(k) borrowing isn’t free
Employees with grinding financial woes are tapping into their retirement accounts at alarming rates. It has an impact on employers, too.
David Sherman
Kashable
She retires. He doesn’t. Why retiring together makes sense (usually)
Couples would be better off retiring at the same time, as they face major life changes together. And leaving a career-driven spouse at home in retirement can throw a marriage out of whack.
Benefits Think 401(k) borrowing isn’t free
Employees with grinding financial woes are tapping into their retirement accounts at alarming rates. It has an impact on employers, too.
David Sherman
Kashable
This may be the biggest financial mistake millennials are making
Millennials change jobs more than older generations, but thinking about the future is not a huge priority.
This may be the biggest financial mistake millennials are making
Millennials change jobs more than older generations, but thinking about the future is not a huge priority.
Retirees show success in replacing pre-retirement income
Most Americans maintain or even increase their spendable incomes after they started collecting Social Security, according to one of the experts who conducted a study.
Benefits Think Are 401(k) plan loans double taxed?
Participants appear to experience dues on the principal portion that is more than double his or her incremental tax rate.
Robert C. Lawton
Lawton Retirement Plan Consultants
Benefits Think Are 401(k) plan loans double taxed?
Participants appear to experience dues on the principal portion that is more than double his or her incremental tax rate.
Robert C. Lawton
Lawton Retirement Plan Consultants
Nine in 10 Americans make this 401(k) mistake
92% of 401(k) participants are unaware of the fees they pay in their plans, creating the potential to lose a substantial amount of retirement savings
Benefits Think Pension funds should look north for inspiration
When it comes to at least one type of investing, U.S. pension funds should take a (maple) leaf out of their Canadian counterparts' playbook, says Bloomberg Gadfly columnist Gillian Tan.
Gillian Tan
Bloomberg Gadfly
Benefits Think Retirement plan rollover rules relaxed
The “I-lost-it” excuse may actually work. This revenue procedure provides taxpayers with a new mechanism to facilitate a rollover, even if a technical failure to comply with the 60-day rule has occurred.
Jorge M. Leon
Michael Best & Friedrich LLP
Workers still lack confidence they can retire
The insecurity is leading to numerous opportunities for plan sponsors to engage employees in planning.
What women want in a retirement plan
Men and women approach retirement planning in opposite ways, and benefit managers need to change the way they advise female staffers.
Annuities, alternative investments can bolster retirement security prospects
Employers need to offer a broad range of investment options in their 401(k) plans, including asset classes that may do reasonably well in a low interest rate environment, according to TIAA’s Roger Ferguson.
Benefits Think What to expect if your retirement plan adviser is not a fiduciary
In light of the DOL’s new rule, some advisers will have to define a new relationship with employers and may ask for additional fees.
Robert C. Lawton
Lawton Retirement Plan Consultants