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Tag "retirement"

Why Are 401k PEPs Growing At A Slower Than Expected Rate?

    Why Are 401k PEPs Growing At A Slower Than Expected Rate?

There’s a fear that those rushing to promote their own PEPs are merely trying to return to the bundle service provider environment the industry evolved away from more than a decade ago. This makes due diligence all the more important.

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Why Aren’t 401k Plan Participants Getting What They Ask For?

    Why Aren’t 401k Plan Participants Getting What They Ask For?

More sophisticated plan participants who can afford to hire their own adviser. They don’t ask more from the plan. They ask for less, in hopes of gaining more control over their own destiny. For a variety of reasons, this isn’t as easy as some participants would like it to be.

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How 401k Plan Sponsors Can Help Employees Look Forward To Retirement

    How 401k Plan Sponsors Can Help Employees Look Forward To Retirement

This doesn’t mean you shoot haphazardly for the stars when you can have the moon. After all, you’ve got to know your limitations. Seeking unreachable goals will only make your retirement seem hollow and pointless.

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3 Retirement Risks 401k Participants Need To Know About But Don’t

    3 Retirement Risks 401k Participants Need To Know About But Don’t

When it comes to retirement anxiety, it’s best to set aside all those matters that fall outside your ability to manage. You can’t change everything. Focus instead on what you can change.

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Dull, Exclusive, & Generic: Why 401k ‘Education’ Fails To Address Financial Literacy And How To Fix It

    Dull, Exclusive, & Generic: Why 401k ‘Education’ Fails To Address Financial Literacy And How To Fix It

There’s a perverse incentive working here, however. The more aggressive a plan sponsor gets in terms of promoting “financial wellness,” the more likely that plan sponsor will accidentally cross some compliance line.

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Are Fiduciary Risks Worth Putting Commodities In Retirement Plans?

    Are Fiduciary Risks Worth Putting Commodities In Retirement Plans?

There’s not a sin in listening to radio shows sponsored by those selling gold and silver. It’s quite another thing to actually act on their “recommendation.”

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The Biggest 401k Fiduciary Fireworks, Fizzles, And Flops In 2021

    The Biggest 401k Fiduciary Fireworks, Fizzles, And Flops In 2021

Flops may not be forever. They may just be good ideas before their time. If you’re going to belittle them, you best hurry, because, if you wait too long, you may just discover they aren’t flops anymore. As a result, let’s not waste any time before the shelf-life of these flops expire.

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Exclusive Interview: Peter Gulia Explains Difference Between “Settlor” (Plan Design) And “Fiduciary” (Plan Administration) Functions

    Exclusive Interview: Peter Gulia Explains Difference Between “Settlor” (Plan Design) And “Fiduciary” (Plan Administration) Functions

How do we design and administer retirement plans?

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Why I’m Thankful for the 401k

    Why I’m Thankful for the 401k

I’m old enough to remember a world before the 401k. So distant was this anomaly in the tax code, that I, like nearly everyone else, was unaware of its existence, let alone its significance when it was formulated in 1978. What makes this more ironic was that it was my Congressman, Barber Conable, that led the way.

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