Viewpoints about 401(k)
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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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Cryptocurrency in 401(k) plans
Over the past few years, individual investors have become increasingly interested in investing in cryptocurrency. As a result, the U.S. Department of Labor (DOL) issued Compliance Assistance release No. 2022–01 401(k) Plan Investments in “Cryptocurrencies” (the release) to provide its initial guidance on the matter. It’s important to understand that guidance and how it might apply to your plan.
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What SECURE Act 2.0 could mean for 401(k) plans
Earlier this year, the SECURE Act 2.0 moved one step closer to becoming law. Plan sponsors and retirement plan professionals should start planning now for the system and procedural changes that could be needed as soon as January 1, 2023.
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A framework for analyzing 401(k) plans with key HCE populations
HCEs pose a unique challenge for 401(k) plan sponsors. Our framework provides a starting point for diagnosing the opportunities and limitations highly compensated employees face in a 401(k) plan—and, ultimately, for designing a better solution.
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Getting started with 401(k) problem-solving
Financial professionals with the skills and tools to uncover and resolve retirement plan issues can help add more value to a plan sponsor’s program. Here are a few steps to help you get started.
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Evaluating the role of ESG investments in your plan lineup
The desire of many retirement plan participants to have their contributions make a difference not only in their lives but the world is fueling demand for ESG funds. Learn five questions to consider when evaluating the addition of ESG investments to your plan.
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Accessing your 401(k) money—withdrawals, loans, and hardships
The money in your retirement accounts is intended for, well, retirement. But that doesn’t necessarily mean you can’t access it if you need to. How you take your money out of your retirement account prior to retiring depends on several factors. The point is that you may have options—let’s go through them.
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Three reasons to brush up on 401(k) payroll integration
Every single benefit a 401(k) plan delivers—including retirement readiness—starts with successful payroll integration. Here are three reasons to brush up on this important plan feature.
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Who regulates retirement plans?
Three U.S. government agencies play key roles in making sure that retirement plans are operated for the benefit of participants. Here’s what they are and what each one does.
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How to work furloughed or rehired employees back into your 401(k)
The decision to furlough or rehire employees has a direct impact on your benefits offering. Learn how these events can affect your 401(k).
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