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Morningstar

September 2, 2020

The Four Levels of Income

By John Rekenthaler’s count, there are four primary varieties of “income”. They are growth, presevation, erosion, and exit.

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Morningstar

June 26, 2020

Don’t Blame Retail Investors for Stocks’ Volatility

A longtime adage among fund providers is that retail investors are more desirable than institutions, as not only will retail investors pay higher fees, but they also provide relatively “sticky” assets that will stay with funds through long periods of mediocre performance. Once again, everyday shareholders are heterogeneous.

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Morningstar

June 19, 2020

Private Equity in 401(k) Plans: More Smoke Than Fire

To my surprise, private equity fund executives convinced the Department of Labor to issue a letter, dated June 3, 2020, approving the use of private equity investments within 401(k) plans. If the private equity funds are selected judiciously and used appropriately, wrote the Department, plan sponsors will not “violate the fiduciary’s duties under section 403 and 404 of ERISA.”

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Interactive Advisors

June 4, 2020

What to Do When Your Employer Cuts 401(K) Matching Funds

401(k) matching is often one of the first things on the chopping block, and the 401(k) matching rules are clear. Unless the matching is part of a union contract, companies have the right to slash or eliminate matching, even mid year. This applies to both traditional 01k plans and the safe harbor 401(k) plans more popular with small businesses.

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BlackRock

May 27, 2020

Building Resilience: What It Means for Retirement Savings

As the economic fallout from COVID-19 threatens peoples’ livelihoods and erodes their short-term savings, it follows that their long-term financial security is also at-risk. What does it all mean for retirement savings and what steps can we take to build a more resilient system?

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Interactive Advisors

April 30, 2020

Retirement Planning In The Midst of a Pandemic

The CARES Act waives RMD requirements for this year. So, if you don’t need to take an RMD this year because you have liquid savings in a bank account or regular taxable brokerage account you can live on, it’s really better if you don’t.

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Interactive Advisors

April 21, 2020

Missing the Recovery? How to Get Back In

If you’re near or in retirement, it might be closer to 50%. Figure out what sounds right for you, and set that as your baseline. You don’t have to get there tomorrow. But, in my opinion, this at least gets you a road map.

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Interactive Advisors

April 9, 2020

Value in the REIT Wreck

The Vanguard Real Estate Index ETF (VNQ), a popular way to track the sector as a whole, was down 44% at the lows. That’s bad, but individual stories get so much worse.

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Morningstar

April 3, 2020

Five (Easy) Steps to Setting Up a 401(k)

Have you been meaning to enroll in your company’s 401(k) but keep putting it off? You’re not alone. Many people need a friendly nudge to start saving or increase their savings rate.

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Janus Henderson

April 3, 2020

How the CARES Act Impacts Retirement Plans

Ben Rizzuto outlines some of the key retirement-related provisions included in the recently passed CARES Act stimulus package, including changes to plan distribution requirements and a temporary waiver of required minimum distributions.

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Morningstar

March 27, 2020

Congress to Help Retirees Cope With Market Downturn

Stimulus bill includes provision that suspends required minimum distributions for retirement accounts.Congress will soon pass a major relief bill to help workers, retirees, and businesses cope with the coronavirus-caused economic slowdown.

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Interactive Advisors

February 26, 2020

Supersize Your Retirement Account

My advice today is only relevant if you’re over 40 and earn a high income of at least a couple hundred thousand dollars as a business owner. If that’s not you, don’t fret. Simply maxing out your 401(k) every year will get you well on your way to financial freedom.

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Morningstar

January 31, 2020

Should the Government Mandate Retirement Planning?

Should the federal government mandate retirement planning? I will not answer that question, as it is for politicians, not investment researchers. However, I can sketch out the possibilities and show how defined-contribution schemes (including my NARP proposal) would fit into whichever framework the politicians adopt.

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Morningstar

January 10, 2020

401(k)s Have Reached Their Expiration Date

That statement is, to an extent, a confession. The 401(k) structure is deeply unpopular with most investment writers, who regard it as a patchwork scheme that permits companies to foist their retirement-income risks onto employees.

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Franklin Templeton

January 3, 2020

SECURE Act Passage Heightens Retirement Security

A sweeping piece of legislation affecting how individuals save and invest for their retirement, known as the “SECURE Act,” has recently been signed into law. Our investment professionals talk about the implications of the Act, and how it can enhance the retirement security of millions of Americans.

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Janus Henderson

January 3, 2020

The SECURE Act Offers Something for Everyone

Signed into legislation in late 2019, the SECURE Act offers individuals and business owners an opportunity to reassess their college, personal retirement and employer retirement plans heading into 2020. Retirement and wealth strategies expert Matt Sommer outlines some of the Act’s key provisions and their implications for retirement plan sponsors and plan participants.

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Morningstar

December 27, 2019

What Revised Life Expectancy Tables Mean for You and Your Clients

The IRS has proposed new actuarial tables for calculating required minimum distributions. Here’s the timeline and the key takeaways. Good news–the IRS is giving us all a little more life expectancy. The IRS has just issued revised life expectancy tables for use in calculating required minimum distributions.

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