Apr
21
DC Plan Trends: Sponsors Focused on Improving Participant Outcomes
Defined contribution plan sponsors are rethinking ways to improve investment offerings in an attempt to elevate retirement outcomes for plan participants. The Towers Watson 2014 U.S. Defined Contribution Sponsor Survey revealed a few key themes. Improving Portfolio Diversification Historically, DC investment options have leaned heavily toward single, stand-alone actively managed funds, each with a style and market-cap bias. Realizing the inefficiency in this siloed approach, 40% of plan sponsors acknowledged that combining several investment strategies together in a custom-built, diversified investment structure offered a more efficient approach to active management. For plan participants, such an approach could maximize their buying...
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Mar
20
The IRS Clarifies Rules on Rollovers of Retirement Plan Monies
After years of ambiguity around what is and is not allowed regarding the disbursement of after-tax contributions to an employer-sponsored retirement plan, the IRS ruled in September of 2014 that plan participants can roll those dollars into a Roth IRA tax free. IRS Notice 2014-54, Guidance on Allocation of After-Tax Amounts to Rollovers, "provides rules for allocating pretax and after-tax amounts among disbursements that are made to multiple destinations from a qualified plan."1 Importantly, the Notice states that all disbursements from a retirement plan made at the same time will be treated as a single distribution even if they are sent to multiple new accounts. Prior to this ruling, the IRS treated distributions from a retirement plan...
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May
15
Debt and 401k Retirement Savings
Debt and 401k Retirement Savings In a survey conducted by Nationwide Financial Services, 42 percent of those workers surveyed say they do not contribute to a 401k plan because they cannot afford it. This is an alarming number of you and this lack of retirement savings today will have an extremely negative impact on your standard of living during the "golden" years of retirement. If you are one of those workers who is not yet contributing to your 401k, you need to rethink your decision - yes, this also applies to those of you who are in their 20's and early 30's. Since debt continues to be the number one reason most workers don't participate in their 401k, we want to give you some simple tips on how to start funding your retirement...
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