Newsdash Insight on Plan Design & Investment Strategy from PLANSPONSOR
January 11th, 2018

ERISA Vista: IRA Rollovers in 2018

Regulations under both ERISA and the IRC say that a person is a fiduciary when he has discretion to manage plan or IRA assets. The new DOL fiduciary rule does not change that definition. As a result, you have been—and will continue to be—a fiduciary under the IRC when providing discretionary investment management services to IRA accounts. Note that only the IRC applies to giving fiduciary advice to IRAs. Read more >
Advisers Are Apparently Ignoring Cybersecurity Threats
Only 27% of RIAs surveyed by TD Ameritrade suggest that “cybersecurity issues,” even when very broadly defined, are likely to impact client portfolios during 2018; experts suggest this is just wishful thinking. Read more >
Debt Causing Financial Vulnerability for Pre-Retirees
The analysis found it is not just the value of debt that has increased over time, but the proportion of debt to assets as well. For example, the median value of total debt over total assets was rather small for the HRS baseline cohort, i.e., only about 4%, but this ratio rose to 11% and 15% in the War Baby and Early Boomer cohorts.  Read more >
Investor Type Sways Median Fee, Use of Active Management
The median fee charged for investment management, according to Callan researchers, is 38 basis points. This figure does not tell the whole story, as the investor fund type seems to have a big impact on the fees paid. Read more >
ESG Investing Matures in Institutional Market
Overall incorporation of ESG factors into investment decision-making plateaued at 37% of respondents in 2017, on par with 2016 and up from 2013. Callan says this trend reflects changing survey respondents over time, with a larger portion of smaller and corporate funds responding in 2017 than in previous years, as well as multiple years of investor education around ESG coming to fruition. Read more >
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2017 Adviser Choice Awards
PLANADVISER has announced winners of the fourth annual Adviser Choice Awards, to be handed out at the PLANSPONSOR/PLANADVISER Excellence in Retirement Awards 2018 on March 29th. Read more >
From the Magazine: Aggressive Plan Design
One of the most powerful messages to deliver to timid plan sponsors, according to Joe Ready, head of Wells Fargo Institutional Retirement and Trust in Charlotte, North Carolina, is that they “can’t afford to not invest in their employees’ retirement.” The extent to which an employer is able to smoothly transition workers into retirement directly affects a company’s bottom line, through various pathways such as health care premiums and the development of the next generation of talent, to name only two critical factors. Read more >
CapitalRock Expands Analysis for Rollover and Exchange Solution
In an effort to create simpler and consolidated steps for advisers when completing rollovers or exchanges under the impartial conduct standard, CapitalRock has amplified its analysis for RightBRIDGE Product Profiler, their rollover/exchange module. Read more >
Market Mirror
Wednesday, the Dow was down 16.67 points (0.07%) at 25,369.13, the NASDAQ lost 10.01 points (0.14%) to finish at 7,153.57, and the S&P 500 decreased 3.06 points (0.11%) to 2,748.23. The Russell 2000 was virtually unchanged at 1,559.80, and the Wilshire 5000 closed 36.87 points (0.13%) lower at 28,507.08. The price of the 10-year Treasury note was up 1/32, decreasing its yield to 2.554%. The price of the 30-year Treasury bond was unchanged, with its yield at 2.900%.

Editorial: Alison Cooke Mintzer alison.mintzer@strategic-i.com

Advertising: Paul Zampitella paul.zampitella@strategic-i.com

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