Why Fully-Funded US Pension Plans Could Give Bonds A Boost
US pension plans are fully-funded again. This is good news for long-dated bonds, as schemes will likely switch from equities to fixed income to consolidate their positions.
Getting Plan Menus “Just Right”
If Your Retired Clients Are Feeling the Impact of Inflation, Give them a Raise
Head of Defined Contribution and Wealth Advisor Services Matt Sommer discusses how financial professionals can help clients cope while still keeping them on track to their long-term goals.
The Prospect for Higher Taxes Under the American Families Plan
Retirement and wealth strategies expert Matt Sommer details the potential changes and outlines tax planning strategies financial professionals may want to consider implementing with clients should higher taxes become inevitable.
Moves to Consider to Help Protect Your Portfolio & Profits
For most investors, finding an appropriate asset allocation and rebalancing and adjusting based on your risk tolerance and time horizon is the best course of action. But for those investors that are more active, or have a more opportunistic approach to investing, here are some considerations for how to protect some of your profits in today’s market.
Retirement Planning? Sorry, We’re Too Busy Watching Netflix
During the Covid-19 pandemic, US investors devoted more of their time to planning their TV viewing than on their retirement investments, a new survey has revealed.
What’s New in Fiduciary Breach Cases?
Retirement Director Ben Rizzuto expects two issues – Multiple Employer Plans (MEPs) and the types of investments offered on plan menus – to be part of the next generation of potential fiduciary failures and lawsuits.
Why You Should Max Out on Your 401(K) Plan
In 2021, you can contribute $19,500 to a 401(k) plan — or $26,000 if you’re 50 or older. But for most savers, that isn’t easy to do unless you really plan it out.
Can I Invest My IRA In This?
Tom Kurinsky of Millenium Trust discusses the ins and outs of holding these alternative assets in IRAs and how you can advise your clients on integrating these investments into their portfolios.
Time for Social Security’s Shot in the Arm
Gail Buckner, Franklin Templeton personal retirement and financial planning strategist, shares her thoughts on how the pandemic has affected a key source of income for many elderly Americans—Social Security—and why it’s time to take action to shore up the program.
Options Strategies for Your RRSP and TFSA
Winning Against the Race to Zero
Adapting to The Changing Landscape of Income
What happens if what you’ve been planning for changes right before the goal line? We’re seeing that today in the world of retirement income.
When Diversification Backfires
Your investment plan lineup is not a buffet table–the dangers of naïve diversification. There are times when the general principle of diversification can work against investors
Implementing a Fresh Portfolio? Don’t Forget About Taxes
It may be tempting to undertake a dramatic makeover, but an incremental, forward-looking approach is best for taxable accounts.
Plan Talk: Assessing Fixed Income Options in Retirement Plan Lineups
This Janus Henderson podcast discusses current plan menu designs and investment trends in defined contribution (DC) plans.
Savings Shortfall: 41% Worry They Won’t Have Enough to Retire
If you are worried you will not have enough saved for your retirement, you are not alone, a major new study has found.
How Trump’s Second-Term Tax Ideas Could Impact Investors
Retirement Director Ben Rizzuto discusses these ideas and what investors should consider from a tax planning perspective if Trump gains a second term.
When to Take Social Security Benefits
The precise Social Security benefit you will be entitled to will vary based on a number of factors such as years worked, income level, etc.
The Retirement Income Puzzle
Blind Spots in the Retirement Space
Nate Miles, Head of Retirement at Wells Fargo Asset Management, reveals three retirement blind spots that he and his team have noticed in conversations with defined contribution plan sponsors, their consultants, and advisors.
The Math for Retirement Income Keeps Getting Worse
Aligning Pension Fund Equity Investments with the UN Sustainable Development Goals
In this Q&A, Pensioenfunds Detailhandel’s, one of Netherlands largest pension funds with €28 billion in AUM, head of investments Henk Groot explains how the Dutch pension fund married the SDGs to its return objectives.
What “Equalizing” Retirement Contributions Could Mean for Investors
Retirement and wealth strategies expert Matt Sommer digs deeper into the Joe Biden tax plan with a synopsis of the plan’s proposal to equalize tax treatment for retirement plan contributions.
What to Do If You Don’t Have a 401(k)
Evaluating the best options for tax-efficient–and automatic–savings outside of a company retirement plan.
The Four Levels of Income
By John Rekenthaler’s count, there are four primary varieties of “income”. They are growth, presevation, erosion, and exit.
Dollar-Cost Averaging: A Formula for Consistent Investing
Many younger investors may be financially unable – or emotionally unready – to invest large sums of money in the market all at once. Retirement Director Ben Rizzuto explains how dollar-cost averaging can provide a useful approach.