"[T]he new package of proposed regulations and rulings makes it easier for pension plans to offer workers a wider range of choices as to how to receive their retirement benefits by [1] Making it easier to offer combination options that avoid an 'all-or-nothing' choice, such as the option to take a portion of an individual's plan benefit as a stream of regular monthly income payable for life, while perhaps taking the remainder...  Read more...

"[T]he new package of proposed regulations and rulings makes it easier for pension plans to offer workers a wider range of choices as to how to receive their retirement benefits by [1] Making it easier to offer combination options that avoid an 'all-or-nothing' choice, such as the option to take a portion of an individual's plan benefit as a stream of regular monthly income payable for life, while perhaps taking the remainder...

"This document contains proposed regulations relating to the purchase of longevity annuity contracts under tax-qualified defined contribution plans under section 401(a) of the Internal Revenue Code (Code), section 403(b) plans, individual retirement annuities and accounts (IRAs) under section 408, and eligible governmental section 457 plans. These regulations will provide the public with guidance necessary to comply with the...  Read more...

"This document contains proposed regulations relating to the purchase of longevity annuity contracts under tax-qualified defined contribution plans under section 401(a) of the Internal Revenue Code (Code), section 403(b) plans, individual retirement annuities and accounts (IRAs) under section 408, and eligible governmental section 457 plans. These regulations will provide the public with guidance necessary to comply with the...

"Even if the participant ultimately fails in proving the elements of estoppel, defending against such claims is costly and time-consuming. Accordingly, employers and plan administrators should take the following steps to protect themselves from these types of claims: . . . ." (Employee Benefits Law Report)  Read more...

"Even if the participant ultimately fails in proving the elements of estoppel, defending against such claims is costly and time-consuming. Accordingly, employers and plan administrators should take the following steps to protect themselves from these types of claims: . . . ." (Employee Benefits Law Report)

12 pages. '[The paper explains why] (1) interest rates directly impact plan funding levels/contribution volatility, and (2) a declining-rate/low-rate environment can quickly lead to funding level shortfalls for plans utilizing a traditional total-return investment strategy; and [discusses] how liability-driven investing (LDI) works and why, for many DB plans, it may be a better approach than a total-return strategy."...  Read more...

12 pages. '[The paper explains why] (1) interest rates directly impact plan funding levels/contribution volatility, and (2) a declining-rate/low-rate environment can quickly lead to funding level shortfalls for plans utilizing a traditional total-return investment strategy; and [discusses] how liability-driven investing (LDI) works and why, for many DB plans, it may be a better approach than a total-return strategy."...

For many people, habitual contribution to the 401k plan can be a great solution that brings you the best advantages once you reach the golden years. This is one of the main reasons why you always need to stay updated with ...  Read more...

For many people, habitual contribution to the 401k plan can be a great solution that brings you the best advantages once you reach the golden years. This is one of the main reasons why you always need to stay updated with ...

Once we compare a self aimed 401k to your self aimed Individual retirement account we can easily discover a lot of variations which each retirement living car or truck delivers distinct rewards in many facets. We know that a ...  Read more...

Once we compare a self aimed 401k to your self aimed Individual retirement account we can easily discover a lot of variations which each retirement living car or truck delivers distinct rewards in many facets. We know that a ...

Annuitizing Your 401(k)Wall Street JournalBy KELLY GREENE The federal government is trying to ease the way for workers to buy annuities with their retirement savings. The goal: to create a source of income that people can't outlive. Insurers, already seeing demand for such products, ...and more »  Read more...

Annuitizing Your 401(k)Wall Street JournalBy KELLY GREENE The federal government is trying to ease the way for workers to buy annuities with their retirement savings. The goal: to create a source of income that people can't outlive. Insurers, already seeing demand for such products, ...and more »

Should also Me Borrow Coming from the 401(k) Approach? Should also we borrow bucks by on a 401(k) strategy? Although just about all choices today make sure this is certainly quite simple , the burkha economical, 401(k) ...  Read more...

Should also Me Borrow Coming from the 401(k) Approach? Should also we borrow bucks by on a 401(k) strategy? Although just about all choices today make sure this is certainly quite simple , the burkha economical, 401(k) ...

Bank of America Merrill Lynch said that it saw increased 401(k) savings through its plan sponsors both in the fourth quarter and 2011 year, signaling a positive outlook for the tweaks it has made to its offerings and confidence ...  Read more...

Bank of America Merrill Lynch said that it saw increased 401(k) savings through its plan sponsors both in the fourth quarter and 2011 year, signaling a positive outlook for the tweaks it has made to its offerings and confidence ...

"The common-sense rule that we are finalizing today will shed light on the true costs of 401(k) accounts and ultimately reward those working hard and saving for retirement," said Secretary of Labor Hilda L. Solis. But you ...  Read more...

"The common-sense rule that we are finalizing today will shed light on the true costs of 401(k) accounts and ultimately reward those working hard and saving for retirement," said Secretary of Labor Hilda L. Solis. But you ...