It’s ironic that programs designed to provide retirement income pay so little attention to the realization of that objective.
To this day, only about half of defined contribution plans... Read More
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Retirement Income
BY Ted Godbout | 3/23/2022
Americans generally believe that their retirement savings are doing better, but apparently there is a sizeable confidence gap in their ability to enjoy a comfortable retirement. ... Read More
BY NAPA Net Staff | 3/14/2022
It may seem a little early to be scoping out a potential Social Security increase for next year—but not if you’re the Senior Citizens League.
That nonpartisan seniors’ group—which issued a number... Read More
BY Nevin E. Adams, JD | 2/28/2022
A new partnership stands to revolutionize the traditional focus on retirement accumulation with some old-fashioned concepts of education and advice empowered by new technology.
One need look no... Read More
BY Ted Godbout | 2/23/2022
A growing proportion of retirees are depleting their DC plan lump-sum payments at faster rates than previously seen and may be regretting that decision to withdraw all their money, a new study finds... Read More
BY John Iekel | 2/23/2022
The IRS on Feb. 23 issued a proposed rule addressing the required minimum distribution (RMD) requirements for plans qualified under Code Section 401(a) that will update applicable... Read More
BY Nevin E. Adams, JD | 2/11/2022
Whether your savings focus is retirement or “financial freedom,” sooner or later there comes that time when you’re going to want to draw down what you spent so long building up. But retirement income... Read More
BY Nevin E. Adams, JD | 2/7/2022
Whether your savings focus is retirement or financial freedom, sooner or later there comes that time when you’re going to want to draw down what you spent so long building up. But retirement income... Read More
BY Ted Godbout | 1/28/2022
A new study identifies a set of scorable retirement income factors that can help define preferences for an overall retirement income style, which can point toward an appropriate retirement income... Read More
BY Ted Godbout | 1/13/2022
As plan sponsors consider design changes to make their plans more effective decumulation vehicles, a new paper by Cerulli argues that there is no one-size-fits-all solution and that managed... 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 Nevin E. Adams, JD | 12/21/2021
“You better watch out, you better not cry, you better not pout…”
Those are, of course, the opening lyrics to that holiday classic, “Santa Claus is Coming to Town.” And while the tune is jaunty... Read More
BY Michael P. Barry | 12/2/2021
The Consumer Price Index (CPI) has risen steadily throughout 2021, with prices in October 2021 6.2% higher than at the beginning of the year.
We have all been pretty much ignoring inflation as a... Read More
BY Nevin E. Adams, JD | 11/30/2021
A recent white paper has garnered a lot of discussion by casting “shade” on a traditional premise about retirement plan withdrawals.
The premise—a so-called “rule of thumb[i]”—isn’t all that old,... Read More
BY NAPA Net Staff | 11/29/2021
In a move likely to spur an increase in adoption of lifetime income solutions among retirement plans, Fidelity Investments has unveiled plans to launch a retirement income product.
Fidelity has... Read More
BY Ted Godbout | 11/12/2021
While 4% generally has been considered a safe withdrawal rate for retirees for the better part of the last three decades, a new paper by Morningstar argues that, given current conditions, the rate... Read More
BY Nevin E. Adams, JD | 10/19/2021
It’s ironic that programs designed to provide retirement income pay so little attention to the realization of that objective.
That’s right—for the vast majority of participants today, creating... Read More
BY John Iekel | 9/2/2021
The increased prevalence of DC plans has heightened the importance of portability and the rules and circumstances affecting it, says a recent analysis that addresses common questions that arise as a... Read More
BY Ted Godbout | 8/31/2021
While the future ramifications of the pandemic remain uncertain, it did apparently have an impact on the long-term financial status of the Social Security Trust Funds.
According to the... 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 Michael P. Barry | 8/25/2021
In the early 1980s, I worked at a very big company that introduced one of the first 401(k) plans. To give the plan an appealing “brand,” the company called it The Capital Accumulation Plan.
I... Read More
BY NAPA Net Staff | 8/17/2021
Women have an important voice on economic issues, and an upcoming complimentary virtual gathering will discuss that and more.
On Thursday, Aug. 19, Rachel Pearson—founder of Engage, a bipartisan... Read More
BY Nevin E. Adams, JD | 8/10/2021
A new survey once again highlighted a consistent regret among American workers.
According to the survey by American Century Investments, they wish they had saved more for retirement.... Read More
BY Nevin E. Adams, JD | 7/27/2021
My wife and I recently celebrated our wedding anniversary—it was a “big” one, one of those that almost takes your breath away thinking about how rich your life together has been.
If someone had... Read More
BY Nevin E. Adams, JD | 7/6/2021
I was discussing the subject of retirement over the long holiday weekend with family.
There was a lot of talk about Social Security (or the looming lack thereof), the impact(s) of inflation... Read More
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