by siteadmin | Feb 1, 2016 | 401k Insight, Retirement, Retirement Plan Advice, Retirement Plan News
Since their introduction in the late 1970’s, 401k retirement plans have evolved into the primary retirement planning vehicle for many Americans. Recently there have been a number of developing trends with respect to 401k plans that bear watching as plan...
by siteadmin | Jan 18, 2016 | 401k Insight, equity funds, plan administration, Retirement, Retirement Plan Advice, Retirement Plan News
At the end of 2011, 61 percent of 401(k) assets were invested in equities through equity funds, the equity portion of balanced funds, and company stock, down slightly from 62 percent the prior year, the Employee Benefit Research Institute (EBRI) and the Investment...
by siteadmin | Jan 4, 2016 | 401k Insight, Retirement, Retirement Plan News, roth
The American Taxpayer Relief Act of 2012, aka the Fiscal Cliff Legislation, contained a provision that allows retirement plan participants to convert their pre-tax funds in a 401(k), 403(b), or government 457 plan into an In-Plan Roth 401(k) account. Prior to the...
by siteadmin | Nov 27, 2015 | 401k Insight, Alliance Benefit Group, plan administration, Retirement, Retirement Plan News
In order for a retirement plan to maintain its tax-exempt status, every six years the IRS requires retirement plan documents to be updated, then resubmitted for review and approval. This “plan restatement” process ensures that any changes in the laws and...
by siteadmin | Nov 15, 2015 | 401k Insight, Alliance Benefit Group, Retirement Plan News
The aging bull market has had an impact on retirement plan portfolios that you may not have realized. Plan participants, especially older participants, may have too much equity exposure in their 401(k) accounts. In fact, based on June 2015 data of 13.5 million plan...
by siteadmin | Oct 14, 2015 | 401k Insight, Retirement, Retirement Plan Advice
Time To Increase Your 401k Contribution The beginning of the year is the time when many employees receive a pay raise in the form of bonusesand/or salary increases. Plan sponsors may encourage plan participants that if they get a raise to give their 401k a raise as...
