PLANADVISER Weekend Newsdash
Week ending August 16th, 2019

Four percent annual withdrawals from a defensively positioned portfolio may be a good starting point for discussing retirement income, but in reality, such a simple approach will not work for everyone. A robust retirement income plan includes consideration of anticipated mandatory and discretionary expenses, regular assessments of risk in the equity portfolio, active coordination of bond holdings, minimization of taxes, the weighing of income insurance and much more. Find below a series of helpful articles on all these topics. We hope you will share some of what you read with a client or colleague.

Retirement Income Planning
'Modern Tontine Theorists' Have Time-Tested Retirement Income Ideas
The retirement planning challenges facing workers today are by no means new or novel, nor are the many different types of solutions being debated by academics and policymakers. Read more >
Retirement Income Solutions and Strategic Withdrawals
Thomas Dodd, executive director of Pavilion Advisory Group, speaks to the importance of implementing a strategic withdrawal plan once retirees initiate distributions of DC plan assets. Read more >
Casting DC Plans in a Retirement Income Light
Mike Sasso, with Portfolio Evaluations, and a professor at Boston University,  explained a new way of thinking to get plan sponsors to focus on retirement income for participants. Read more >
Individuals Concerned About Impact of RMDs on Taxes
Nearly one-third of individuals surveyed by Allianz Life Insurance Company of North America say they have difficulty understanding how required minimum distributions could impact their overall tax obligation. Read more >
Facing Uncertainty With Laddered Fixed-Income Portfolios
Experts argue bond ladders can work in a rising rate environment and across a variety of unpredictable macroeconomic scenarios—allowing investors to continually readjust their fixed-income exposure.  Read more >
MOST POPULAR STORIES
Retirement Plan Cybersecurity the Issue in a New Lawsuit

A retirement plan participant who had $99,000 stolen from her account has sued the plan sponsor and plan providers.

Retirement Income Coming Soon to a 401(k) Near You
Experts believe that in the next few years, DC plan sponsors will embrace this option.
The Four Possible Paths for Senate SECURE Act Passage

There are several potential paths forward for the SECURE Act, which remains stalled in the U.S. Senate despite is bipartisan appeal.

Plugging the Leak: Uncashed Distribution Checks
Drip… drip… drip. The slow drip of defined contribution plan leakage continues.
While Popular, Default Electronic Delivery of Plan Documents Irks Some

Retirement plan service providers generally support making electronic delivery of documents the default, but print communication industry organizations and some consumer groups say the paper default should remain.

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

Advertising: advertise@strategic-i.com

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