Over the years, so-called personal finance experts have provided valuable information—but also a smattering of misinformation—but I can think of none quite as egregious as some remarks recently made... Read More
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Capital Preservation
BY Steff Chalk | 10/26/2023
A danger when retirees can least afford it is an ill-timed, significant loss occurring immediately after they begin plan distributions.
Plan sponsor trustees hold the “power seat” for retirement... Read More
BY David Blanchett and Ross Riskin | 3/30/2023
One of the most common charts used to demonstrate the benefits of being a long-term investor is the implications of missing the best trading days. The message that is often used by supporters of... Read More
BY John Sullivan | 1/6/2023
Anyone sick of hearing about the so-called safe withdrawal rate? Bill Bengen’s high-profile 4% formula lasted almost three decades, but inflation, COVID, a war in Europe, and hyper-volatility caused... Read More
BY NAPA Net Staff | 1/5/2023
The Standard Insurance Company has announced a new stable value investment product—The APEX Series—that offers four fund options and competitive guaranteed rates through June 2023.
The APEX Series... Read More
BY Kent Bartell | 9/9/2022
As target date funds have become more prevalent, however, many advisors are beginning to wonder if there might be an opportunity for improvement.
Target date funds were first introduced in the... Read More
BY John Iekel | 12/22/2021
An important retirement-related concern is whether savings will be adequate for the lifespan of a retiree. Annuities are one way some seek to provide a source of lifetime income; however, as a recent... Read More
BY Ted Godbout | 8/25/2021
New research finds that de-risking is commonplace, with 75% of retirees reducing their equity exposure when they roll over their assets from a 401(k) to an IRA, but doing so at an inopportune time... Read More
BY Nevin E. Adams, JD | 2/2/2021
Today is the day upon which America turns its attention to Punxsutawney, PA (and what seems to be a rapidly expanding array of Punxsutawney Phil wannabes) to get a read on the duration of winter... Read More
BY Nevin E. Adams, JD | 12/22/2020
Once upon a time, as Christmas neared, it was not uncommon for my wife and I to caution our occasionally misbehaving brood that they had best be attentive to how their (not uncommon) misbehaviors... Read More
BY NAPA Net Staff | 7/2/2020
Volatility across markets due to COVID-19 has created significant anxiety among DC plan sponsors and decision makers—how has this impacted stable value investing?
Tune in to a webcast on July... Read More
BY Nevin E. Adams, JD | 6/19/2018
One of my favorite cinematic quotes is from that Clint Eastwood classic, "Dirty Harry."It comes at the very beginning of the movie – there’s a bank robbery in process, and Clint Eastwood (in the... Read More
BY NAPA Net Staff | 8/18/2017
Lawsuits alleging breach of fiduciary duty related to the selection of capital preservation investment options should serve as a caution to DC plan fiduciaries of the plaintiffs’ bar’s growing... Read More
BY Nevin E. Adams, JD | 8/8/2017
Many years ago, there was a commercial (for car oil filters, as I recall) that cautioned, “You can pay me now, or pay me later” – in other words, spend a little now on an oil filter, or pay lots... Read More
BY Nevin E. Adams, JD | 5/11/2017
There’s been a lot of rumbling on and around Capitol Hill about a potential shift to Roth contributions for 401(k) plans as part of tax reform. So, how might that weigh on – or boost – retirement... Read More
BY Nevin E. Adams, JD | 4/25/2017
I made the switch to Roth for my retirement savings years ago – and I have long counseled younger workers, who were likely paying the lowest tax rates of their working lives, to do so as well.Pre-tax... Read More
BY Nevin E. Adams, JD | 2/14/2017
The future is an uncertain thing, and planning for uncertainty inevitably involves making some assumptions.Here are six that, done improperly, can wreck your retirement.How Long You’ll LiveThe good... Read More
BY John Ortman | 4/18/2016
Is a DC plan enough to get participants to where they need to be financially when they make that jump into retirement? What practical steps can advisors take to help participants get on track and... Read More
BY Nevin E. Adams, JD | 4/5/2016
It was 10 years ago last week – a Saturday morning as I recall. I had just wrapped up my weekly column when I got a call from my sister. My father, at the age of 76, suffered a series of heart... Read More
BY Nevin E. Adams, JD | 11/10/2015
Beyond the tax advantages to saving for retirement on a pre-tax basis, the ability to watch those savings grow without paying taxes until they are actually withdrawn, there is another savings... Read More
BY Nevin E. Adams, JD | 9/1/2015
By now, you’ve heard — and perhaps dispensed — what appears to be the “common wisdom” about the recent market tumult: “stay the course,” “ride it out,” and my personal favorite, “don’t just do... Read More
BY NAPA Net Staff | 8/12/2014
A retirement savings demonstration has found its way into the record books — the Guinness Book of World Records, in fact. Prudential Financial turned up at the NASCAR Hall of Fame courtyard in... Read More
BY John Iekel | 3/24/2014
“Right now is a pivotal time for the retirement plan industry,” declared Wagner Law Group president Marcia S. Wagner -- capturing the tenor of a discussion about longevity planning at a March 23... Read More
BY Fred Barstein | 9/17/2013
As the retirement industry is fighting to keep money market funds in pension plans and the SEC considers reforms spurred by the Great Recession, others are questioning whether MMFs belong in DC plans... Read More
BY Fred Barstein | 8/12/2013
In what could be a watershed decision, the 7th Circuit U.S. Court of Appeals reversed a lower court decision denying plaintiffs in the Abbott v. Lockheed Martin case class action status. The... Read More
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