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5 401k Participant Savings Strategies That Are More Effective Than Projected Income Disclosure

    5 401k Participant Savings Strategies That Are More Effective Than Projected Income Disclosure

All these strategies can be employed today and have proven themselves effective. It’s unclear that disclosing projected retirement income will provide the kind of incentive that will work.

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Reframe 401k Participant Education To Stop Stressing Risk And Start Emphasizing Goals

    Reframe 401k Participant Education To Stop Stressing Risk And Start Emphasizing Goals

It’s fun to talk about “risk” and “return” because these are measurables and people are comfortable with the tangible world. But none of that touches upon what really matters. Worse, it can distract you from achieving what you want most.

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So You Want to Be a Pooled Plan Provider? The DOL Just Issued the Rule Telling You How to Do It. This is What You’ll Learn at the 2020 401k MEP/PEP Conference

    So You Want to Be a Pooled Plan Provider? The DOL Just Issued the Rule Telling You How to Do It.  This is What You’ll Learn at the 2020 401k MEP/PEP Conference

Reports say the DOL expects 3,200 registered PPPs when PEPs become effective next January. Do you expect to be one of them, or will you be working for someone else?

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3 Plan Design Updates 401k Plan Sponsors Should Make To Older 401k Plan Documents To Better Account For Today’s Circumstances

    3 Plan Design Updates 401k Plan Sponsors Should Make To Older 401k Plan Documents To Better Account For Today’s Circumstances

It’s not as if this “surprisingly secret” formula has run its course. The equation is so timeless, so simple, that it continues to work for those who have the disciple to follow its rules. Still, can today’s workers see this work for them?

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How Best to Prepare Yourself to Go from Zero to MEP/PEP in Four Months

    How Best to Prepare Yourself to Go from Zero to MEP/PEP in Four Months

Nonetheless, there is a way to short-circuit this time-frame. You can do it, but you’ve got to really want to do it.

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What’s the Most Effective Way 401k Plan Sponsors Can Motivate Their Employees to Repay Their CARES Act Early Withdrawals?

    What’s the Most Effective Way 401k Plan Sponsors Can Motivate Their Employees to Repay Their CARES Act Early Withdrawals?

Perhaps the first option to focus on is that one that involves “paying back” or “not paying back.” The rules, while straightforward to financial professionals, may be less apparent to retirement savers.

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Why You’re Not Ready for the Coming 401k MEP/PEP Revolution (Even Though You Think You Are)

    Why You’re Not Ready for the Coming 401k MEP/PEP Revolution (Even Though You Think You Are)

One of the biggest risks inherent in MEPs/PEPs is coordinating all of the many moving pieces. Here’s why people might be wrong to think they know enough about assembling a 401k MEP/PEP and regulatory compliance only heightens the potential liability.

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What Ben Franklin Might Say About the Long Term after the SECURE Act

    What Ben Franklin Might Say About the Long Term after the SECURE Act

Today, directly or indirectly (“back door”), every wage earner can contribute to a Roth IRA. So, to benefit your (great)(grand)child through “long term investing”, you might consider funding a Roth IRA and/or Roth 401k.

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How Can 401k Plan Sponsors Make Employees Aware of Age-Based Social Security Risk

    How Can 401k Plan Sponsors Make Employees Aware of Age-Based Social Security Risk

If plan sponsors want to alleviate retirement angst among plan participants, they need to ensure they provide full transparency regarding factors that extend beyond the plan. Plan sponsors have an obligation to explain their retirement benefits within the context of these outside factors.

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The Road to Vainglory: How Modern Portfolio Theory Went Viral

    The Road to Vainglory: How Modern Portfolio Theory Went Viral

Ultimately, if you want to protect yourself and others from making simple mistakes, you must embrace the sin that first birthed those missteps.

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