Newsdash Insight on Plan Design & Investment Strategy from PLANSPONSOR
December 12th, 2018

Consider Individual Circumstances Before Suggesting 4% Retirement Income Withdrawal

An individual’s investment allocation is a big factor to consider when deciding a proper optimal withdrawal rate of savings in retirement, but there are many other inputs to consider as well. Read more >
Workers Reacting Positively to OregonSaves Retirement Program Opportunity
“The preliminary data from OregonSaves show that important assumptions about how workers would react to the availability of auto-IRAs appear to be holding up, at least in the context of their behavior within the program,” the Center for Retirement Research (CRR) at Boston College says. Read more >
Financial Stress Adds Significantly to Labor Costs
John Hancock researchers sought to quantify the cost of workers’ financial stress for employers, finding the average annual excess expense per employee is a lot more significant than may be assumed. Read more >
November Was a Typical Month for Trading in 401(k) Plans
The Alight Solutions 401(k) Index found that November was more of a typical month for trading activity among 401(k) investors. The month had three days of above-normal trading activity, down from five in October, but up from the summer lull when there were no above-normal trading days from July through September. Read more >
401(k) Providers Are Top Source for Financial Advice
Sixty-four percent of workers turn to their 401(k) plan provider as their first source for financial advice, including advice on topics besides retirement, according to a survey by T. Rowe Price. Additionally, the demand for financial advice has increased. Read more >
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Sponsored message from ADP
Financial Stress Impacts Employee Engagement and Productivity
Financial stress affects employee job satisfaction and productivity. Read more >
Open MEP Opportunities
Advisers likely will have the opportunity to sponsor open MEPs and make them available to their small business clients; they also likely will be subject to ERISA, to at least some extent. Read more >
PSCA Finds Improvements in 401(k) Plan Design
More plan sponsors are making Roth contributions available, automatic enrollment default deferral percentages are increasing, and company match formulas are becoming more generous. Read more >
HSA Bank Unveils Adviser-Driven HSA Investment Program
Advisers have the option to set asset-based fees on investments, as well as to receive HSA referral compensation. It gives advisers direct access to the recordkeeping platform so that they can set up and manage HSA investment options for their clients. Read more >
Market Mirror
Tuesday, the Dow closed 53.02 points (0.22%) lower at 24,370.24, the NASDAQ increased 11.31 points (0.16%) to 7,031.83, and the S&P 500 was virtually unchanged at 2,636.78. The Russell 2000 decreased 2.96 points (0.21%) to 1,440.13, and the Wilshire 5000 was down 19.67 points (0.07%) at 27,140.44. The price of the 10-year Treasury note was down 6/32, increasing its yield to 2.881%. The price of the 30-year Treasury bond was up 3/32, decreasing its yield to 3.126%.

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

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

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