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ESG funds' place in the retirement plan investment lineup
As workers learn about the potential advantages of socially responsible investing, sponsors of workplace retirement plans have begun to offer these options. As part of our "State of the participant 2022" report, we looked at the status of stand-alone ESG funds among the DC plans that John Hancock recordkeeps.
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Why upgrading from SIMPLEs to 401(k)s may make sense
Incorporating retirement plans into your advisory business can be a great way to grow your practice. You can show your value to plan sponsors by clearly outlining the differences between SIMPLEs—IRA or 401(k)—and traditional 401(k)s.
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Four reasons to consider selling retirement plans
Many financial professionals are hesitant to sell retirement plans because they think they have to be a retirement plan specialist. Learn why that may not be the case, plus four ways adding this service can help you stay competitive and generate new business.
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What can you do with an inherited retirement account?
Inheriting a retirement account from an IRA owner or someone with a qualified retirement account comes with quite a few confusing rules to follow. Learn which rules apply to you, so you can make an informed decision about what to do with your inheritance.
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Who—or what—is a beneficiary?
Your life insurance policy and retirement plan have asked you to name a beneficiary—but what does that really mean? What happens if you don’t? Do you need beneficiaries for anything else? Although it’s critical to name beneficiaries, it’s pretty easy to do. We’ll explain the what, why, and how of beneficiaries to help you protect your loved ones and your assets.
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Can I take money from my 401(k)?
Saving for retirement is a long-term investment, and it’s natural to want to be able to take money out of your 401(k) if you need it. Find out the different 401(k) withdrawal options you may have while you’re working and when you change jobs.
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How do interest rates affect retirement savings?
You’ve heard that the Fed is raising interest rates. But what does it mean to you? Rising interest rates can affect your wallet today and in retirement. Learn why interest rates matter and what you can do to help minimize their impact on your finances.
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A framework for designing 401(k) plans to support M&A deals
Mergers and acquisitions can create significant retirement plan changes for the entities and employees involved. This four-step framework provides retirement plan consultants a good starting point for steering your clients through these critical transitions.
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Slowing growth and souring sentiment—how to survive a bear market
Major stock indexes flirt with bear market territory as concerns about U.S. growth mount. How should investors act in the face of uncertainty?
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Can you pay 401(k) plan expenses from plan assets?
Managing plan fees is more than ensuring that costs are reasonable. You also have to ensure they’re paid by the appropriate party. Learn who can pay the different types of plan expenses.
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