401(k)/IRA Archives - Page 5 of 12 - Retirement Income Journal

Wide but shallow: the impact of auto-enrollment in the UK

By Editorial Staff Thu, Jun 27, 2019

In British defined contribution plans, employer and employee contributions average a total of only 5.1% of salary per participant. By contrast, defined benefit (DB) plan members receive contributions totaling...

Published June 27, 2019

Auto-enrollees don’t ‘borrow to save,’ researchers say

By Editorial Staff Thu, May 30, 2019

In a departure from their preliminary findings of three years ago, economists found that middle-income government workers didn't increase their debt levels after being auto-enrolled in the Thrift Savings...

Published May 30, 2019

Flash: House passes major retirement bill

By Editorial Staff Thu, May 23, 2019

The Secure Act (H.R. 1994), which provides for "open multiple employer plans" and reduced liability for employers who want to add annuities to their retirement plans, passed by a...

Published May 23, 2019

Germany struggles with defined contribution

By Editorial Staff Fri, May 10, 2019

Among low-income Germans, only 28% of those earning up to €2,500 ($2,804) a month were signed up for a workplace pension and just over half (52%) of those earning...

Published May 10, 2019

Principal buys Wells Fargo’s retirement business

By Editorial Staff Thu, Apr 11, 2019

The acquisition will double the size of Principal’s U.S. retirement business in terms of total recordkeeping assets. More than two-thirds of Wells Fargo’s institutional retirement assets are in plans...

Published April 11, 2019

The Case for Collaboration among State-Sponsored Savings Plans

By Editorial Staff

The authors of this article, Angela M. Antonelli, director of the Georgetown University Center for Retirement Initiatives (pictured), J. Mark Iwry, a Brookings Institution fellow, and David C. John,...

Published April 11, 2019

Ireland to auto-enroll workers into retirement plans

By Editorial Staff Wed, Feb 20, 2019

Ireland's plan also calls for auto-escalation. By 2028, the total contribution for each member would be 12% of salary a year. The government will add 2%, for a total...

Published March 7, 2019

Unsure how much to commit to Roth or traditional accounts? This rule might help.

By Editorial Staff Thu, Feb 14, 2019

'Higher-income investors have greater exposures to tax-schedule uncertainty, which can be managed using post-tax Roth options,' says a new paper from the Journal of Financial Economics.

Published February 14, 2019

Shekel by Shekel: How Israelis Save

By Kerry Pechter

For the last decade, Israeli workers have contributed to mandatory defined contribution savings plans at work and must convert at least part of their savings to a lifetime income...

Published February 14, 2019

‘Digital design’: A new line of defense against ERISA lawsuits?

By Editorial Staff Thu, Jan 31, 2019

'A reliable way to avoid potential litigation is to... develop processes for determining which digital designs and elements are most relevant for participant success,' said Shlomo Benartzi. The UCLA...

Published January 31, 2019

New York proposes public-option IRA by 2021

By Editorial Staff Thu, Jan 17, 2019

Fewer than half of working New Yorkers have access to a retirement savings plan at work and 40% of New Yorkers ages 50 to 64 have saved less than...

Published January 17, 2019

New Jersey to establish auto-enrolled IRA for workers without plans

By Editorial Staff Thu, Dec 20, 2018

The Garden States joins two other 'blue states,' California and Oregon, in sponsoring a portable workplace savings plan for workers without access to a plan. The IRAs will offer...

Published December 20, 2018

The Links between Golf and RMDs

By Kerry Pechter Thu, Dec 6, 2018

RMDs produce zero change in a client’s wealth. They just create a 'balance sheet' adjustment, where money moves from a pre-tax to an after-tax account, current taxes get paid,...

Published December 6, 2018

Employer Match vs. Auto-Enrollment; The Winner Is…

By Kerry Pechter Thu, Nov 22, 2018

'Most of the estimates from the literature substantially understate the effect of matching,' write analysts Nadia Karamcheva and Justin Falk of the Congressional Budget Office's Microeconomic Studies Division. (Image...

Published November 22, 2018

OregonSaves, a state-sponsored workplace IRA, welcomes ‘gig’ workers

By Editorial Staff Thu, Nov 15, 2018

Since the first wave of the program launched in November 2017, tens of thousands of workers have saved more than $9 million towards retirement, according to an OregonSaves release...

Published November 15, 2018

‘Auto-Portability’ Gets Closer to Reality

By Kerry Pechter

After five years of pitching their idea for automatically moving assets from one 401(k) plan to the next when a worker changes jobs, Retirement Clearinghouse this week received the...

Published November 15, 2018

New Bedfellows: Richard Neal and the 401(k) Industry

By Kerry Pechter Thu, Nov 8, 2018

As the next Ways & Means chairman, the liberal Massachusetts congressman won't just be the gatekeeper of retirement legislation. He’s also the only legislator who can ask for President...

Published November 8, 2018

‘Roll-in’ specialist exceeds $4 billion in account consolidations

By Editorial Staff Thu, Nov 1, 2018

Retirement Clearinghouse works with plan sponsors, record-keepers, and participants to complete assisted rollovers, automatic rollovers, and both assisted and automatic roll-ins.

Published November 1, 2018

Two firms position themselves for the ‘open MEP’ market

By Editorial Staff Fri, Oct 19, 2018

TAG Resources, LLC, headquartered in Knoxville, TN, is a pioneer in the area of Multiple Employer Plans (MEPs), including creating and trademarking 'The Open MEP.'

Published October 19, 2018

Individual Tontine Accounts – Yes, Seriously!

By Richard Fullmer and Michael Sabin Thu, Oct 11, 2018

Tontines offer investors a way to pool mortality and longevity risks directly among themselves, without intervention by any insurance company, write our guest columnists. (Pictured: Lorenzo di Tonti, creator...

Published October 11, 2018

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