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Tag "Richard Bavetz"

The Dirty Secret About Collective Investment Trusts They Don’t Tell You

    The Dirty Secret About Collective Investment Trusts They Don’t Tell You

CITs can only be offered within the confines of a trust relationship. That means the plan itself might be structurally different than one that has an investment menu limited to mutual funds.

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IBM’s New 401k Match Policy Isn’t What You Think

    IBM’s New 401k Match Policy Isn’t What You Think

Eliminating the match and investing a large portion of retirement savings in bonds creates a risk. It may cause the retirement savings to go down in flames.

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What’s The ‘Over/Under’ On The DOL’s New Fiduciary Rule?

    What’s The ‘Over/Under’ On The DOL’s New Fiduciary Rule?

Between the IRA Rollover matter and the redefinition of “regular services,” there is no shortage of ways to chip away at the new Rule. What might be one way we can expect to see the industry attack the Rule in front of a judge?

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Retirement Pros Sound Off On DOL’s New Fiduciary Rule

    Retirement Pros Sound Off On DOL’s New Fiduciary Rule

This broader definition of fiduciary may impose a potential hardship on a segment of the retirement industry that has been trying hard to gain a foothold in plan infrastructure.

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Is There A Cure For Covid Caused 401k Leakage?

    Is There A Cure For Covid Caused 401k Leakage?

It’s clear, then, that there’s a problem. In order how to best come up cure for Covid-related leakage, we have to zero in on exactly when the trouble lies.

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What 401k Plan Sponsors Should Do About ‘Lost’ Participants

    What 401k Plan Sponsors Should Do About ‘Lost’ Participants

The DOL’s guidance on missing plan participants appears just as effective as its week 2012 Mutual Fund Fee Disclosure Rule. Yes, it’s there, but it has no viability. Still, that doesn’t mean 401k plan sponsors can ignore the issue, even if they have not lost participants.

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$4.3 Million Or $1.27 Million? What’s The Point Of Scary Retirement Projection Numbers?

    $4.3 Million Or $1.27 Million? What’s The Point Of Scary Retirement Projection Numbers?

The twist is this: The bad news is only a fraction of the people will be able to save $4.3 million for retirement because the average salary is too low. The good news is most people won’t need to save $4.3 million because, thanks to living on a low average salary, they are accustomed to spending far less.

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Why Is ‘Fiduciary’ Losing Its Luster?

    Why Is ‘Fiduciary’ Losing Its Luster?

Back then, at least, we knew who wore the white hats and who whore the black hats. Today, thanks to muddled and often conflicting regulations for multiple agencies, everyone is wearing fifty shades of gray.

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Fact or Fiction? Slaying the Myth of the 401k Tax Advantage Myth

It’s like winning the lottery. In exchange for getting money you wouldn’t have otherwise received, you’ll have to give some of it to Uncle Sam. Uncle Sam gets more taxes. You get more money. It’s a win-win!

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