Category Archives: Retirement Plans

Thanks to regulations, 403(b) plans are becoming more and more like 401(k) plans. It’s to the point were many advisors and third-party administrators get the idea they can merge or convert the plans, especially trying to morph a 403(b) into … Continue reading →

As the stock market remains choppy and we trying to figure out whether we are in a recession, it’s important to remember that participants will continue to make bad investment decisions. Surveys will indicate that participants will withdraw from equity … Continue reading →

One of my worst habits is not being over-infusive in my compliments, except in my restaurant tipping. I think people who do a good job are supposed to do a good job. It’s why I don’t understand when people clap … Continue reading →

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I always believe that education is really important. My parents instilled that value in me, they went a little off the reservation when they thought my GPA was a barometer on their value as parents. That being said, I do … Continue reading →

Research shows that 401(k) plan participants who direct their investment, rarely allocate to environmental, social, and governance (ESG) investments. The research, by PGIM and the Employee Benefit Research Institute, examined the allocation decisions of 9,324 defined contribution plan participants, across … Continue reading →

One of the things that many experts disagree with is whether participants should keep their account balance within their former employer’s 401(k) plan or roll it over to an IRA. Obviously, cashing it out is never a good option. There … Continue reading →

It seems that October was a light trading month for 401(k) plan participants, according to the Alight 401(k) Index. Just 0.012% of 401k balances were traded daily. Trading inflows mainly went to stable value, money market and bond funds. Outflows … Continue reading →

So much of what happens with the retirement plan business is dependent on politics. Almost all of our rules are put forth by the Federal government, so what happened in the mid-term elections had an impact. I don’t know if … Continue reading →