Retirement planning
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Three reasons CITs are gaining in popularity
In at least one key investment category, defined contribution plan assets in collective investment trusts (CITs) could surpass mutual funds in 2023. Here are some of the reasons why CITs are popular.
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What’s in SECURE 2.0 for small businesses? A lot
SECURE 2.0 just made it easier for small businesses to add a retirement plan. We’ve broken out the key provisions small business owners and their advisors should get to know if they’re considering adding this highly valued benefit.
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A SECURE 2.0 summary of provisions, purpose, and timing
SECURE Act 2.0 of 2022 was signed into law on December 29, with policy changes that will affect both the administrators of and participants in qualified retirement plans and IRAs. We’ve put together a guide to help you navigate the provisions that may matter most to you.
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SECURE Act 2.0 offers good news for retirement savers
The SECURE Act 2.0 passed on December 29, 2022. As an expansion of the Setting Every Community Up for Retirement Enhancement (SECURE) Act that was passed in 2019, SECURE Act 2.0 includes new ways that employers, the federal government, and the retirement plan industry can help Americans save more for retirement. Here are a few of the ways it can help you save more for retirement.
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What the DOL's final ESG rule means for plan sponsors
On November 22, 2022, the DOL issued its final ESG rule, confirming that plan sponsors may consider ESG factors when selecting retirement plan investment lineups and exercising shareholder rights, including voting proxies. Find out what’s changed from the prior rules issued in 2020.
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What 401(k) plan sponsors need to know about stable value funds
Stable value funds are important principal preservation vehicles. Learn the basics and their unique terminology.
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Retiring into a challenging economy
To those just entering retirement, news of inflation, market volatility, rising interest rates, and the possibility of recession can be especially alarming. Here are tips to help feel better prepared.
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Market downturns can help target-date investors grow their retirement savings
Periods of market downturns are stressful for all investors; however, historical data shows that participants are often rewarded through higher long-term returns. Encouragingly, even participants retiring as markets enter a downturn have an opportunity to recoup losses.
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Social Security payments increased—why didn’t my check?
Social Security’s annual cost of living adjustment doesn’t necessarily mean your monthly check will increase. Here are four reasons your Social Security payment could be lower than you expected.
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Friend or foe? The role of duration in target-date funds
Long duration fixed income within target date funds can provide valuable portfolio protection from equity market drawdowns, but should be carefully managed to avoid adding interest-rate risk closer to an investor's retirement date.
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