Dodd-Frank Remains Work in Progress
Four years after its passage, the Dodd-Frank Wall Street Reform and Consumer Protection Act remains a work in progress. While 73 percent of its rule changes and other requirements were completed by July of 2014, 27 percent were not finished, including 11 percent on which work had not yet begun. “It won’t be until the […]
Making Retirement Savings Last
Helping Americans convert their retirement savings to income after they stop working is the new frontier in retirement planning, and the federal government wants to play a role. Among those searching for solutions is J. Mark Iwry, senior advisor to the secretary of the Treasury and deputy assistant secretary, tax policy, for retirement and health […]
Millennials and Stable Value: Made for Each Other?
The millennial generation and the stable value industry may be made for each other. The young are often painted as risk-takers, but in the case of millennials—those Americans born between 1982 and 2004—old measures may be misleading, says Neil Howe. Neil Howe is the founding partner and president of LifeCourse Associates, a publishing, speaking and […]
Roundtable: The Outlook for Retirement Income Security
One could argue that the private retirement system in the U.S. is improving. Average account balances in defined contribution plans have been rising lately, to somewhere around $90,000 to $100,000 depending upon which set of data you use. The growing trend of automatically enrolling workers in their plans is undoubtedly capturing some workers who in […]
State and Local Pension Plans: Coping with Funding Challenges
Strictly by the numbers, pension plans sponsored by state and local governments do not look to be in great shape. Many plan sponsors have not been making full annual contributions to the plans, and partly as a result the average funded ratio for those plans has fallen to 71 percent from 90 percent since 2004. […]
Stable Value Fund Group Makes Pitch to Risk-Averse Millennials
Better return potential with lower risk helps millennials stay conservative while capturing some growth, an advocate of the funds says. Click here to read more
Money Market Fund Rule Amendments: Implications and Options
Download PDF The Securities and Exchange Commission (SEC) recently voted to approve changes to Rule 2a-7 and other provisions of the Investment Company Act of 1940 that govern money market funds. These changes present a prime opportunity to review principal preservation options to ensure they are providing participants the optimum balance of safety of principal, […]
Stable Value – The Safe Investment Choice in Your 401k Plan
Many of you have an investment option available in your 401k plan that you have never considered using – but you should. It goes by many names: Stable Value, Fixed Income Fund, GIC (Guaranteed Investment Contract), Capital Preservation Fund, Principal Protection Fund, Fixed Interest Fund, Guaranteed Fund, Stable Interest Fund. All of these types of […]
Stable Value vs. Fixed Income: There is a Difference
Morgan Stanley Plan Perspectives If you invest in a money market fund outside of your 401(k) plan, you’ve no doubt noticed that your returns have been negligible over the past several years. In fact, money market fund yields continue to be at record lows, providing investors with returns that average 0.1 – 0.2% Read the full article here