Newsdash Insight on Plan Design & Investment Strategy from PLANSPONSOR
January 23rd, 2019

Best Practices: Retirement Plan Loans

Retirement plan sponsors have the option of simply barring loans, but that could have the unintended consequence of lowering participation in the plan because employees want to be able to access their money. This is part of the reason why the 2018 PLANSPONSOR Defined Contribution Plan Benchmarking Report found that a strong majority (79.3%) of all plans make loans available. Read more >
Putnam Asks Supreme Court to Weigh In On Fund Comparisons in ERISA Cases
Putnam Investments has filed a petition for writ of certiorari with the U.S. Supreme Court asking it to settle questions in a case in which it was accused of engaging in self-dealing by including high-expense, underperforming proprietary funds in its own 401(k) plan. Read more >
Bill Would Allow Retirement Plan Withdrawals for Federal Employees Affected by Shutdown
Federal employees and contractors would be able to take retirement account distributions without penalty and be able to repay the distributions to their accounts. Read more >
Optimal Number of 401(k) Investment Categories Between 12 and 20 Study Says
Offering fewer than 12 categories may mean participants are not being given sufficient opportunity to diversify, and offering more than 20 could lead to lower average investment in each fund, which may cause higher fees, ERISApedia.com says. Read more >
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Sponsored message from John Hancock Retirement Plan Services
Connecting Wealth to Health in the Wellness Equation
Financial wellness is a bit of a conundrum. Its roots are in a person’s wallet, but when things go wrong, it can impact their health. As a result, employee benefit programs that don’t include a financial component may not be addressing a critical impediment to wellness. Read more >
LIMRA Expects Greater DC Plan Access by 2020
LIMRA anticipates equity markets will slow modestly this year, while interest rates will continue to rise; the organization expects conditions to promote growth in annuity purchases by long-term investors. Read more >
The Case for Roths
These ‘delayed gratification’ plans offer benefits worth waiting for. Read more >
Market Mirror
Yesterday, the Dow lost 301.87 points (1.22%) to finish at 24,404.48, the NASDAQ closed 136.87 points (1.91%) lower at 7,020.36, and the S&P 500 decreased 37.81 points (1.42%) to 2,632.90. The Russell 2000 was down 25.05 points (1.69%) at 1,457.45, and the Wilshire 5000 fell 402.77 points (1.46%) to 27,214.51. The price of the 10-year Treasury noted increased 13/32, bringing its yield down to 2.738%. The price of the 30-year Treasury bond climbed 22/32, decreasing its yield to 3.064%.

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

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

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