A Guide for the Perplexed Participant

GuidedChoice is the latest 401(k) advice provider to announce a platform that helps participants turn their savings into income—with or without a rollover to an IRA. (Above: CEO Sherrie Grabot.)

The Sacrificial Payroll Tax

Idle talk about suspending the payroll tax is making 'blue' Senators blue. We get answers from Social Security expert Eugene Steuerle of the Urban Institute.

An Income-Generating ‘Collar’

Using a 'protective net-credit collar,' the Nationwide Risk-Managed Income ETF has distributed monthly income at an annual rate of 7.88% in 2020, while appreciating 10%. Is there a catch?

Life Insurers’ Bermuda Triangle, Part II

The humble fixed indexed annuity is at the center of the restructuring hurricane that has swept through the life insurance industry in recent years. We bring you the second article in a series on the topic.
Featured

Paradise Regained

A return to long-term interest rates of 5% to 6% will hurt Wall Street and McMansion owners in the short-run but help most Americans in the long run, says this columnist.

A Q&A about GuidedSpending 2.0

In an e-mail, GuidedChoice CEO Sherrie Grabot and CIO Ming Wang answered a few of RIJ’s questions about their income planning tool for plan participants.
News

Rule 408(b)(2) delayed until 2012

“We now believe plans and plan service providers would benefit from an extension of the rules applicability date,” said assistant Labor Secretary Phyllis Borzi in a statement.

The Bucket

Late-breaking items from Prudential, Warren Buffett, Aon Hewitt, SPARK Institute, Insured Retirement Institute, Milliman, the Pension Benefit Guaranty Corp., Morningstar, Interactive Data Corp., and John Hancock Annuities.