Browsing Tag
401(k)
3593 posts
A 401(k) is an employer-sponsored retirement savings plan that allows employees to contribute a portion of their pre-tax or after-tax income towards retirement. These contributions are then invested, and the growth is typically tax-deferred (in a traditional 401(k)) or tax-free (in a Roth 401(k)) until withdrawn in retirement.
What Would Happen if 401(k)s Went Away?
Do we really need 401(k)s and similarly designed employee-retirement plans? Is there anything better? What would happen if…
Smaller 401(k) Plans Have A LOT More Problems Than Larger Plans
Common sense might suggest that larger 401(k) plans face more significant challenges than those of small businesses. Yet,…
Depressing Report Finds Many Retirees Will Outlast Savings
Retirees in six major economies can expect to outlive their savings by years, according to a new report…
Is it Time to Retire Retirement?
Retirement trends are changing. People are no longer expected to spend their days playing golf and bridge (unless…
Can a Company Implement a Match Safe Harbor Mid-Year?
Businesses make strategic changes throughout the year. These changes may involve ramping up or down employees, buying or…
The Physical Toll of Financial Stress
We’re increasingly stressed about reports about stress. The Merrill Edge is the latest, which finds that our financial…
ERISA 3(38) and 3(21)—What’s the Difference?
Is it surprising or scary that too many 401k advisors are still unfamiliar with ERISA terms like 3(38),…
Why 401(k) Advisors, Sponsors NEED an ERISA Attorney
References to the hilariously un-PC movie Airplane set the stage for That 401(k) Conference at Coors Field in…
Is ESG the True Fiduciary Path Forward?
A fiduciary’s duty is to do whatever is required to preserve participants’ capital and purchasing power into the future. Here's why.
Fixed Income Once Again Favored in 401(k) Trading Factors
The “flight to safety,” in a sense, continues. A declining month on Wall Street saw increased trading activity…