Results for "401(k)"

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4 strategies for Roth conversions

June 13, 2019

The time is ripe to convert traditional, pretax retirement accounts to Roth-style accounts. Low individual tax rates by historical standards and a pending reversion in 2026 to the higher rates that preceded the new tax law make this an opportune...

401(k) savings rates have stagnated

June 12, 2019

401(k) plan design has by most accounts improved dramatically over the past decade. The number of retirement plans that automatically enroll employees has swelled more than 50%, and roughly a third of those plans automatically increase employees'...

June 11, 2019

BY Greg Iacurci The Supreme Court has agreed to hear a case alleging employer Intel Corp. lost its employees substantial retirement savings by investing a large portion of 401(k) plan assets in risky and high-cost hedge-fund and private-equity...

Why a lack of diversity may be hurting your 401(k) clients

June 5, 2019

The defining trait of a successful investment committee is the ability to make prudent decisions. The best decisions are typically made as a result of asking critical questions, considering viable alternatives and coming to a consensus on the...

HSAs are lagging when it comes to rollovers

June 4, 2019

When it comes to traditional retirement accounts such as 401(k)s and IRAs, employers or service providers often urge participants to consolidate assets in multiple accounts via a rollover. But it appears that advice isn't prevalent when it comes...

Supreme Court to hear 401(k) stock-drop case

June 3, 2019

The Supreme Court accepted a 401(k) lawsuit Monday that could reframe how employers think about company stock in their retirement plans. Plaintiffs in the case, Retirement Plans Committee of IBM v. Larry W. Jander, allege that plan fiduciaries...

Retirement is forced upon roughly a quarter of Americans

June 3, 2019

Most Americans aren't financially prepared for retirement. About 44% of Americans said their retirement savings are not on track, versus 36% who said they are on track, according to the Federal Reserve Board's sixth annual survey of household...

Senate tries to put SECURE retirement bill on fast track

May 31, 2019

Legislation that would bring about the biggest reforms in retirement policy in more than a decade could be headed toward quick passage in the Senate. Shortly after the bill — the Setting Every Community Up for Retirement Enhancement Act —...

Is Roth participation in DC plans being suppressed by record keepers?

May 30, 2019

Every day, employees meet with pension record-keeper advisers and have a typical discussion about their 401(k), 403(b) or 457 defined-contribution plans: Employee: "I can only afford to contribute $400 per paycheck to my 401(k) plan." Adviser:...

Some insurance agents breaking law with 401(k) rollovers

May 30, 2019

Rolling money out of a 401(k) plan to fund an insurance product, like an annuity or life insurance policy, can be a difficult, tense decision for retirees. After all, seniors are earmarking a large chunk of their nest egg. These rollovers are...

House passes SECURE retirement bill with massive bipartisan support

May 23, 2019

The House of Representatives passed a sweeping retirement bill Thursday that makes it easier for small businesses to offer a workplace retirement plan, eases use of annuities in 401(k)s and raises the required minimum distribution age, among...

CITs are changing the retail 401(k) world

May 22, 2019

"It was the best of times, it was the worst of times, it was the age of wisdom, it was the age of foolishness … we had everything before us, we had nothing before us, we were all going direct to Heaven, we were all going direct the other way."...

New bill links 401(k) matches to student loan payments

May 14, 2019

A bill that includes a provision to make it easier for companies to contribute to the retirement accounts of employees who are paying down student debt was reintroduced in the Senate this week. Among other changes, such as stepping up the age...

Cross-selling poised to be next 401(k) 'battleground' issue

May 13, 2019

Cross-selling products and services to 401(k) plan participants — on the part of both record keepers and financial advisers — is shaping up to be among the most contentious issues in the retirement-plan market. The issue comes down to the...

Whistle-blower Ted Siedle sees pensions as hotbed for fraud

May 10, 2019

Ted Siedle has a bleak outlook about U.S. retirement security. That's the case particularly with public pensions, which Mr. Siedle suggests are essentially hotbeds for fraud and theft. Mr. Siedle is a bit of an authority on the subject — he...

Average Fidelity 401(k) balance increases sixfold over past decade to almost $300,000

May 9, 2019

Investors who've had 401(k) accounts at Fidelity for a decade saw their average balance increase sixfold to almost $300,000 since the market bottomed after the global financial crisis, the company said. Workers saving for retirement saw their...

Actively managed TDFs are getting edged out

May 9, 2019

Passively managed target-date funds are sucking the life force from their actively managed counterparts. The money flowing into passive TDFs — those that invest primarily in funds that track a broad market index like the S&P 500 — has increased...

Eaton Vance settles 401(k) lawsuit for $3.45 million

May 8, 2019

Eaton Vance will pay $3.45 million to settle a class-action lawsuit alleging it mismanaged its company 401(k) plan and profited at the expense of its employees by offering them in-house mutual funds. The settlement furthers a trend playing out...

What 401(k) advisers can learn from a viral social media post

May 8, 2019

Not too long ago I took my wife out to dinner, something I don't do enough. We went to a local place here in Austin. The overall experience was wonderful. When we got the bill, I noticed something a little unusual at the bottom: A separate fee...

401(k) adviser fees are upside down

May 7, 2019

Most 401(k) and 403(b) plan fees, especially for plan advisers and record keepers, are upside down. Their fees are based on plan assets, while their costs are based on activity and the number of participants. As defined-contribution plan sponsors...

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