401k Plans

Is 401(k) a Ticking Time Bomb?

Don McNay | Posted 05.03.2012

Read More: Fifty, Money, 401k, Retirement, Defined Benefit Plans, Pension Plans, Don McNay, Lottery Winners, Personal Finance, Planning for Retirement, 401k Plans, 401k Advice, Money News

401(k) plan investments are a primary driver of the investment markets. They are also the reason that many people are pacing the floors at night, worrying if their retirement will get delayed or destroyed.

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The Flawed Premise of 95 Percent of 401(k) Plans

Dan Solin | Posted 05.01.2012

Read More: 401k Tips, 401k Plans, 401k Investments, 401k, 401k Advice, Retirement Plans, Retirement Savings, Video, Business News

I can find no credible data supporting the inclusion of actively managed funds in 401(k) plans or individual portfolios. Yet, these funds dominate the investment options in most plans.

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Seniors Mean Business on Facebook

Wm. Scott Page | Posted 04.10.2012

If AARP, which has more than 10 percent of the U.S. population on its rolls, hasn't yet figured out how to capture seniors on the most pervasive social media site, then we all have a long way to go.

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Minorities More Likely To Make This Costly Move

The Huffington Post | Bonnie Kavoussi | Posted 04.04.2012

Read More: Retirement, 401ks, 401k Withdrawal, Retirement Accounts, 401k Withdrawals, Retirement Planning, Withdrawal, 401(K), 401(K) Plans, 401k Hardship Withdrawal, Video, Withdrawals, 401k, Hardship Withdrawal, Saving for Retirement, Hardship Withdrawals, 401k Hardship Withdrawals, Money News

Here's more evidence of just how hard the recession was on minorities. African-Americans and Hispanic-Americans were more likely to tap their retir...

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Time to Rethink Retirement

Wm. Scott Page | Posted 05.22.2012

Read More: Baby Boomers Life Insurance, Retirement Planning, Baby Boomers Retirement, 401ks, Baby Boomers Retirement Savings, 401k Plans, Planning for Retirement, Life Insurance, Retirement Savings, Saving for Retiement, Money News

While the overall economy appears to be on the uptick, we are facing a baby boom financial catastrophe if we don't change how we pay for retirement and explore all possible means to get there.

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What You Should Know About Planning For Retirement

HuffingtonPost.com | Laura Rowley | Posted 03.13.2012

Read More: 401(K) Plans, Retirement Savings, Saving for Retirement, Employee Benefit Research Institute, Defined Benefit Plans, Estimating Retirement Needs, Defined Contribution Plans, Retirement Confidence, Slidepollajax, Huff/Post50 News

Americans' confidence in their ability to retire is hovering at the lowest level in two decades, according to a survey released Tuesday by the Employe...

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Eight Ways You're Screwing Up Your Retirement Fund

Emily Cohn | Posted 03.05.2012

Read More: 401(K) Plans, Video, Saving for Retirement, 401k, Stock Market, Retirement, 401k Mistakes, Borrowing From 401k, 401K Matching, 401k Plans, 401k Advice, Investing Young, Money News

Planning for retirement starts with your 401(k) -- a retirement savings account typically provided by your employer. 401(k)s are "tax deferred," w...

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BofA Tired Of Fannie Mae, Stops Selling Some Mortgages To Them

Reuters | Posted 04.25.2012

Read More: 401(K) Plans, Brian Moynihan, Video, Freddie Mac, Subprime Mortgages, Stocks, 10-K, Countrywide Financial, Reuters, Bank of America, Fannie Mae, Home Loans, Business News

* BofA cites Fannie Mae repurchase claims * Bank still selling loans to Freddie Mac * BofA freezing pension plan June 30...

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These Seniors Are Twice As Likely To Be In Poverty In Retirement

Posted 02.22.2012

Read More: 401(K) Plans, Social Security, Employer-Sponsored Retirement Plans, Pensions, Poverty Among Seniors, Elder Poverty Rates, Black Seniors, Elderly Poor, Poverty in Retirement, Reliance on Social Security, Latino Prosperity, Latino Seniors, Huff/Post50 News

Black and Latino seniors in the U.S. are facing a tougher time in retirement: Elder poverty rates are twice as high among these groups compared to the...

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Boosting Your Retirement Plan Contributions

Jason Alderman | Posted 03.14.2012

Read More: SEP IRA, 401(K) Plans, SIMPLE Plan, Roth IRA, Consumer Price Index for Urban Consumers, Retirement Savers? Tax Credit, Modified Adjusted Gross Income, Business News

For the first time since 2009, the IRS has increased the amount people can contribute to their 401(k) and other defined contribution plans.

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How To Keep Your Standard Of Living Throughout Retirement

money.cnn.com | Posted 12.22.2011

Read More: 401(K) Plans, 401k, Saving for Retirement, Money, Retirement, Budget, Saving Money, 401k Advice, Huff/Post50 News

NEW YORK (CNNMoney) -- How much should I have in a 401(k) or other retirement accounts at various ages relative to my salary so I know I'll eventually...

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What Wall Street Doesn't Want You to Know About Your 401(k)

Sandy Harris | Posted 02.19.2012

Read More: 401(K) Plans, 401(K), 401(K) Plan, 401k Advice, Financial Advice, Huff/Post50 News

When a Wall Street broker is asking you "What is your risk tolerance," you should replace "risk" with "loss;" he is asking you: "How much money are you willing to lose?" These days you'd have more fun going to Vegas.

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Business Owners: Lack Of Retirement Preparation Becoming A Crisis

Posted 11.29.2011

Read More: 401(K) Plans, 401(K), Small Business Owners, Video, Retirement Savings, Saving for Retirement, Retirement, Retirement Preparation, Business News, Savings, Business News

Americans are unprepared for retirement, so much so that it's reached crisis levels, according to the majority of small business owners. Seventy-f...

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Starting A 401(k) Plan: 5 Things You Need To Know

The Huffington Post | Geoff Williams | Posted 11.08.2011

Read More: 5 Things You Need to Know, IRS 401k Checklist, Setting Up 401k Plan, Marvin Wealth Management, 401k Plans, How to Set Up 401k Plan, Constangy, Employco, Brooks & Smith, Small Business News

Should you start a 401(k)? After all, it's what generally successful companies tend to do: offer a financial vehicle for their employees to save for r...

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How Can We Address Our Retirement Deficits If We Don't Know What to Save or What We've Saved?

Jane White | Posted 11.06.2011

Read More: Fidelity Investments, Social Security, Retirement, Vanguard Group, 401(K) Plans, 401(K), 401k, Retirement Deficits, 401k Advice, Business News

Incredibly, those managing 401(k) assets aren't required to communicate the "cost" of retirement adequacy and the minimum contribution needed to fund that goal.

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401(k) Participants Need an "Arab Spring"

Dan Solin | Posted 07.24.2011

Read More: Plan Advice 401k, 401k Plan Advice, 401k Plans, 401k-Explained, 401k Advice, 401k Fraud, Business News

The "Arab Spring" might be a lesson for 401(k) participants. They need to familiarize themselves with the data and demand a fundamental change in the way their retirement plans are being managed.

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Your 401(k) Plan Could Be Illegal

Dan Solin | Posted 07.17.2011

Read More: 401(K) Plans, 401k Risk, Illegal 401k, 401k Plans, 401k Illegal, 401k Risks, 401k Advice, Business News

401(k) plans are a great deal for employers. Their cost is subsidized by brokers and advisers, at the expense of the plan participants (employees), who are supposed to be the primary beneficiaries.

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Retiring Baby Boomers' 401(k) Plans Come Up Short

The Wall Street Journal | E.S. BROWNING | Posted 05.25.2011

Read More: 401(K), 401(K) Plans, Baby Boomers, Baby Boomers Retirement, Boomers Retirement, Boomers 401(K) Plans, Baby Boomers 401k, Financial Crisis 401(K), Business News

The 401(k) generation is beginning to retire, and it isn't a pretty sight. The retirement savings plans that many baby boomers thought would see th...

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Retirement Contribution Limits Largely Unchanged

Jason Alderman | Posted 11.17.2011

Read More: SEP IRA, 401(K) Plans, SIMPLE Plan, Roth IRA, Consumer Price Index for Urban Consumers, Retirement Savers? Tax Credit, Modified Adjusted Gross Income, Healthy Living News

You'll probably hate me for bringing this up so soon in the New Year, but it's time to begin planning for your 2011 taxes -- or at least, about the ta...

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Near-End Tax Planning: Maximizing Eligible Deductions and Credits

Theodore R. Daniels | Posted 11.17.2011

Read More: 401(K) Plans, Society for Financial Education and Professional Development, Tax Planning, Eligible Deductions, Healthy Living News

The majority of taxpayers file their federal income tax on a calendar year basis, which means that the opportunity for tax planning ends on December 31. After this date it is too late to make any decisions that could possibly reduce your taxes.

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WSJ Misses the Point on 401(k) Fees

Dan Solin | Posted 05.25.2011

Read More: Fiduciary, 401k Reform, 401(K), 401k Plans, 401k Fee Disclosure, 401k Advice, 401k, Kickbacks, Revenue Sharing, Business News

Full disclosure of 401(k) fees, while a step in the right direction, will do little to remedy a system that practically insures most Americans will retire, if at all, with a sharply diminished quality of life.

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America's Fantasy Politics

Andrew Reinbach | Posted 05.25.2011

Read More: 401(K) Plans, Unemployment, Social Security, Beyond Left and Right, Retirement, Washington, Politics News

The entire premise Washington builds its Social Security fantasies on is that the vast majority of people have large savings, large portfolios, or rich kids,

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Obama Wants to Steal Your 401(k)! And Why That May Be a Good Idea

Eric Schurenberg | Posted 05.25.2011

Read More: 401(K) Plans, 401(K), Hewitt Associates, CBS MoneyWatch.Com, 401(K) Reform, Tyler Durden, Pension Research Council, Wharton School, Tiaa-Cref, Business News

You'd think the stock market's 25% drop from its 2007 peak, not to mention the suspension of matching contributions at scores of 401(k) sponsors, was apocalyptic enough to keep the conspiracy theorists busy. But apparently not.

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Would You Let Goldman Sachs Manage Your 401(k)?

Eric Schurenberg | Posted 05.25.2011

Read More: Absolute Return Funds, Goldman Sachs Target Date Funds, Goldman Sachs, 401(K) Plans, Securities and Exchange Commission, Larry Swedroe, Business News

This could be your first opportunity to trust your life savings to a company that is fighting an SEC fraud lawsuit, that has little experience in the 401(k) market and that has no demonstrable skill in investing other people's money.

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Now Time Magazine Blasts the 401(k)

Eric Schurenberg | Posted 05.25.2011

Read More: 401(K) Plans, 401(K), Steve Gandel, Retirement Plans, Time Magazine, 401(K) Reform, CBS MoneyWatch.Com, Media News

This week's Time Magazine cover story looks at the nation's de facto retirement program, the ubiquitous 401(k), and pronounces it inadequate. Welcome to the club.

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