America Saves Week

America Saves WeekThe average American citizen has a hard time saving money. According to new studies:

  • 28% of Americans have no emergency savings[1]
  • 47% of Americans cannot afford an emergency expense of $400[2]
  • Indebted households have an average credit card balance of $16,061[3]
  • An average household pays $1,292 in credit card interest each year[4]

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6 Year-End Retirement Plan Tips to help your portfolio be top performing

6 Year End Retirement Plan Tips to help your portfolio be top performingThe end of the year is approaching fast. For many of us, that means spending time with friends and family and eating way too much.  Before we get distracted from one of the happiest (and most stressful) times of the year, here are some year-end tips you may want to consider with your investments: Continue reading

Saving for College Tuition without Sacrificing Your Retirement Goals

Saving for College without Sacrificing Retirement GoalsParents’ lives change the minute their child is born.  Once the excitement wears off, they start to see how their financial situation has changed as well.  Their human nature is to sacrifice greatly for the betterment of their children. As parents, they need to manage those sacrifices, so they do not end up sacrificing their retirement goals as well.  One major obstacle for parents investing in their retirement is also saving for the increasing costs of their child’s future college education. A survey by T.Rowe Price, “Parents, Kids, & Money”[1], reveals how conflicted parents are trying to save for both retirement and college: Continue reading

All indexes are the same, right?

All Indexes Are the Same, Right?For the past decade or so, index funds have become all the rage from academia, to Middle America, to the corporate boardroom. Index funds are designed to replicate the performance of an underlying index by buying all (or substantially all) the securities in that index. There are dozens of index providers such as S&P, Dow Jones, Morningstar, Russell, CRSP, and MSCI. Index mutual fund companies pick one of these index providers to build their index funds around. However, some investors are surprised to discover that all indexes with the same mandate don’t necessarily perform the same. Continue reading

Investment Education and Advice Guide

As a plan sponsor and fiduciary, you can help your employees become retirement ready while satisfying your fiduciary duties and minimizing your risk.

Our Investment Education and Advice Guide will:

  • Define Investment Education and Advice
  • Explain the Safe Harbors for Providing Investment Education
  • Help you understand the fiduciary risks of providing advice, and why you should provide advice

Submit your information below to download our free “Investment Education and Advice Guide”.

Additional Resources

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How investors should respond to the market’s reaction to “Brexit”

In a historic vote, the people of the United Kingdom (UK) have voted to leave the European Union (EU), and markets around the globe are moving wildly today. "Brexit" impact on investorsThe British Exit or “Brexit” from the EU has several implications long and short term, but first it is important to understand what happened and why. The vote is a culmination of anxiety from the British people about relinquishing control of their laws to the EU, which is based in Brussels. The UK had very little control over policy in general, but immigration and trade were two of the main sticking points. While immigration has boiled over of late, with the mass influx of people from the Middle East, it has roots further back to 2004 when several of the former Soviet Union satellite countries joined the EU and many of their people immigrated to the UK. The EU allowed for refugees to immediately claim unemployment benefits with no requirement for living in the host country for any period of time. This cultural issue now created an economic problem for the UK. Continue reading

Paint me your Retirement Picture

Every day retirement advisers help people plan for their retirement by quizzing them on their assets, liabilities, personal finances, net worth, and lifestyle choices.  They assist people in establishing and reaching retirement financial goals.  The advisers crunch numbers and analytically estimate what retirement will look like for their clients. They build graphs, make assumptions, and run a Monte Carlo simulation model for their clients. Continue reading

When to Buy and Sell Mutual Funds

The equity markets have been choppy over the last year and a half.  Last year we had one of the worst Septembers to immediately be followed by one of the best Octobers. January 2016 started with a large cap pullback in the 5% range to have the markets rebound close to 6.5% in March. [1]

When these market upturns and downturns occur, clients and participants of retirement plans often ask why their portfolio return is different from the total return reflected on a mutual fund fact sheet.  Before answering the question, a person first needs to understand the difference between total return and investor return within a mutual fund.  Continue reading

First Quarter 2016 Capital Markets Update

With Q1 2016 in the review mirror, let’s look back to see what transpired. On the Global Macro front we saw a lot of moving parts. The Central Banks in Europe and Japan are experimenting with negative interest rates. A central bank has never before implemented a negative interest rate policy. Continue reading