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Data & Research
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Investing
Data & Research
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Data & Research
Investing
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The Tax Distinction
Education on saving should include a tax talk, but what can advisers safely say?
What Biden’s Win Means for Retirement Plans
Experts say the president-elect could start the process of shoring up Social Security and embrace ESG investing.
Self-Directed Account Diversification Stats from Charles Schwab
A new report from Charles Schwab explores retirement plan participant investment activity within self-directed brokerage accounts; findings show self-directed accounts associated with advisers are better diversified.
Roth Option Viewed as Another Avenue for Diversification
Experts say sponsors should offer a Roth option so that participants can diversify their tax situation in retirement.
EBRI Breaks Down Number Affected by Tax Reform Changes
An Employee Benefit Research Institute analysis breaks down the number of 401(k) contributors who would be affected by a mandatory, partial Rothification proposal in tax reform.
Time to Submit Plan Sponsor of the Year Nominations Is Running Out
Nominating a plan sponsor client is a great way to show appreciation
and highlight important best practices that are improving outcomes for defined
contribution and pension plan participants. Nominations for all types of
retirement plans will be considered, so don’t delay.
Roth Tax Treatment Remains a Mystery for Many
Survey data covering some 1,000 plan participants shows Roth
savings features remain poorly understood and underutilized.
Tax Cut Proposals Have Advisers Worried About All-Roth 401(k)s
Advisers say the elimination of tax incentives to save would deter participation and lower savings rates.
DC Plan Sponsors Value Traditional Tax Incentives
“The tax rules have always been designed to tie the interests of the employer and the employee together," one former EBSA official says. “So if you mess up the tax treatment and remove the incentive to offer a plan, small businesses aren’t going to go through the trouble, risk and expense of offering one at all.”
Study Finds Preference for Pre-Tax Deferrals Even If a More Adverse Outcome
The study finds most people do not consider tax implications before deciding whether to defer into retirement plans' pre-tax or Roth accounts.
Sponsors Think Rothification of 401(k)s Would Deter Participation
This is according to a survey by the Committee on Investment of Employee Benefit Assets Inc. of its members.
Thirteen Percent of Workers Are Saving in a Roth 401(k)
This is up from 8% in 2011.
More Employers Make Roth 401(k) Matching Contributions
Among employers offering Roth 401(k) savings programs, 40% now offer matching contributions.
Roth Contributions on the Rise
The amount of employers offering Roth contributions in their
401(k) plans rose by 50%, according to a study by T. Rowe Price.
More Info Needed on IRAs
Many potential account holders are simply uninformed
Not Keen on State-Run Plans
Small and midsize businesses prefer ‘auto-IRA’s
IRAs Serving Their Purpose as a Savings and Rollover Vehicle
$7.4 trillion is currently invested in individual retirement accounts, the ICI reports.
Analysis Suggests Roth Almost Always Outperforms Traditional IRA
Investing in a Roth versus a traditional IRA effectively
raises the limit on what one can save, leading to materially greater wealth in
retirement in the vast majority of tax scenarios.
Retirement Clients Concerned Over Federal Tax Policies
A Transamerica survey found that 34% of Americans believe extending the Saver’s Credit to all filers regardless of income should be a priority for incoming President Donald J. Trump and the new Congress.
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Working With Professional Services Firms
Executives’ objectives outplay those of the rank and file