Featured Jobs
|
Pentegra
|
|
Cash Balance/ Defined Benefit Plan Administrator Steidle Pension Solutions, LLC
|
|
MAP Retirement
|
|
BPAS
|
|
Retirement Plan Consultants
|
|
Retirement Plan Administration Consultant Blue Ridge Associates
|
|
Managing Director - Operations, Benefits Daybright Financial
|
|
Southern Pension Services
|
|
BPAS
|
|
Regional Vice President, Sales MAP Retirement USA LLC
|
|
Retirement Relationship Manager MAP Retirement
|
|
ESOP Administration Consultant Blue Ridge Associates
|
|
BPAS
|
|
Relationship Manager for Defined Benefit/Cash Balance Plans Daybright Financial
|
|
Anchor 3(16) Fiduciary Solutions
|
|
July Business Services
|
Free Newsletters
“BenefitsLink continues to be the most valuable resource we have at the firm.”
-- An attorney subscriber
|
|
Search the News Archive
|
107 Matching News Items |
| 1. |
Retirement Income Journal
Feb. 3, 2025
"The Cannex study hypothesized a plan participant, 40 years old in 2023 and with plan savings of $100,000 in a target date fund (TDF). This imaginary participant intends to add $10,000 (increased by 3% each year) to the TDF each year for the next 25 years, and to retire at age 65. The study then imagines five different paths -- each representing one of the most common methods for drawing down 401(k) in retirement -- that the participant might take."
|
| 2. |
National Tax Journal via Social Science Research Network
Nov. 24, 2010
Excerpt: This paper simulates the effects of the market crash of 2008 for 401(k) plan participants of various ages, earnings levels, and portfolios. Because Social Security is such an important component of retirement income, focusing solely on 401(k) balances can overstate the effect of the market crash. Most workers with low to moderate earnings are projected to have only moderate reductions in retirement income. In many cases the change in retirement income would be more than offset by working an additional year.
|
| 3. |
The Wall Street Journal; subscription may be required
July 14, 2014
"Financial advisers measure replacement rates relative to final earnings ... The [Social Security Administration (SSA)] ... measures replacement rates relative to the wage-indexed average of lifetime earnings.... These are very different numbers that produce very different outcomes.... Retirement plans are in theory designed to help retirees maintain their standard of living as they move out of the labor force. The SSA's wage indexing overstates an individual's pre-retirement earnings, which raises the bar for what counts as adequate retirement income."
|
| 4. |
The Wall Street Journal; subscription may be required
July 28, 2013
"More insurers are marketing a relatively new breed of annuity to baby boomers hungry for retirement income. But potential buyers might be able to build as good a stream of income -- or better -- on their own.... Some advisers question the value of buying a fixed annuity before retirement for all but the most risk-averse investors."
|
| 5. |
The Wall Street Journal
Mar. 31, 2016
"[T]he most-quoted 'safe withdrawal' research takes an approach that ... consistently assumes that retirees increase their spending by inflation each and every year of retirement. To sustain such spending growth, they stipulate withdrawal rates of 4% (if not less).... They become square-pegs-for-round-holes approaches by assuming retirement spending is static. Instead, it is dynamic over one's retirement-ebbing and flowing as 'life' and 'bucket lists' intersect -- and in a steadily decreasing pattern."
|
| 6. |
The Wall Street Journal; subscription may be required
Aug. 3, 2013
"BlackRock unveiled what it calls the 'Cori' index to help savers calculate how much they need to save to generate a specific lifetime income starting at age 65.... But what may be of greater help to people between the ages of 55 and 65 is a new BlackRock calculator, based on the Cori index, into which you can punch a few numbers and get a quick take on where you stand."
|
| 7. |
The Wall Street Journal; subscription may be required
July 6, 2014
"Their sales have surged lately -- up 47% this year's first quarter over the same period last year, according to LIMRA... and are projected to grow steadily over the next few years. But immediate annuities still account for less than 10% of annuity sales overall.... [O]ther, high-fee versions of annuities are sold more aggressively.... [M]any people may not understand how immediate annuities work. The concept behind them is actually quite simple."
|
| 8. |
Retirement Income Journal
Aug. 4, 2024
"What employer/plan sponsors are saying privately.... The multiple plans problem.... Let competition produce solutions.... A menu of income-generation options.... Sponsors need more protection from litigation risk.... 'Portability is big.' ... Annuities aren't the only way to generate retirement income.... Plan recordkeepers can't absorb the cost of more withdrawal functionality ... The why-go-there perspective.... Keep the status quo? ... Can't afford to ignore longevity risk."
|
| 9. |
Retirement Income Journal
Dec. 10, 2020
"Annuitization products where an investor converts a lump sum to a guaranteed income stream in retirement are a 'better solution for defined contribution plans,' according to a recent [publication by] Cerulli ... But 64% of respondents to Cerulli's 2020 Target-Date Manager Survey still cite lack of plan sponsor demand for guaranteed retirement solutions as an obstacle to adoption -- despite the 2019 SECURE Act's provision of regulatory protections for offering annuities."
|
| 10. |
Retirement Income Journal
Aug. 20, 2020
"The rule merely tells participants (or a participant and spouse) ... how much income their current savings would buy if they were reaching retirement age today, and bought an annuity at today's interest rates and annuity prices.... That's a fairly useless number. It won't help participants project the amount of savings they might accumulate by the time they retire if they keep saving at the current rate, or how much they might be able to generate from those savings."
|
| Next » |
|
Syntax Enhancements for Standard Searches
|