Week ending July 1st, 2016

NOTE FROM THE EDITOR

Happy Friday, readers! It’s always a bit of a challenge each week picking a theme for the Friday afternoon mailing, especially during these times of fast-paced regulatory and market evolution. This week the job was made a little easier by the impressive reaction to a story about a new, simple approach to retirement spending proposed by a fellow of the Society of Actuaries. One reader suggested participant spending in retirement is “quickly becoming the next big plan design concern.” What do you think?

Editor's choice

Fellow of Society of Actuaries Suggests New Retirement Spending Rule

Evan Inglis says his “simple but effective” new rule recognizes the lower level of returns we are likely to experience in coming years due to low interest rates and other factors such as demographic trends. Read more >

How Reliable Are Common Retirement Planning Tools?

A study finds that some retirement income calculators are not all they’re cracked up to be. Read more >

Income Volatility a Challenging Factor in Retirement Planning

Results of the Federal Reserve’s latest Survey of Household Economics and Decisionmaking suggest income volatility has become a real hurdle to retirement saving and wealth forecasting. Read more >

Insurance Can Play a Part in Retirement Income Planning

Employees need protection for their retirement income. Planning should include addressing market risk, taxes and inflation, but also health care expenses, long-term care and legacy plans. Read more >

Nuanced Advice Should Fill in the 401(k) Decumulation Weakness

Until 401(k) plan sponsors are more comfortable offering in-plan retirement income products, the industry must find solutions to deliver nuanced advice around retirement income to low-balance investors. Read more >

MOST POPULAR STORIES

Warn Your Clients: Don’t Abuse Coronavirus Hardship Withdrawals

Though retirement plans can allow individuals to self-certify that they qualify for a penalty-free coronavirus-related distribution, should the IRS discover otherwise during a future audit, a participant can be subject to substantial penalties.

PANC 2020: Is It Time to Re-evaluate TDFs?

There are a variety of TDF solutions to meet participants needs, so when should a custom solution be considered, and how do advisers evaluate TDFs in an unprecedented year for the markets?

A New World and New Opportunities for Alpha

Pandemic-driven volatility has once again highlighted the relative virtues of active and passive management.

ERISA Excessive Fee, Self-Dealing Suit Targets MEP

Pentegra Retirement Services and other plan fiduciaries are accused of failing to make sure fees are reasonable and acting in Pentegra’s, not plan participants', interest.

PANC 2020: Best Practices for Virtual Meetings—and Avoiding Zoom Fatigue

Content, surroundings and technology preparation are important for creating client and committee meetings that keep everyone engaged.

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