Q1 2019 Market Review

U.S. equity markets rebounded sharply up 14% (Russell 3000) in the first quarter on progress with China trade talks and more dovish comments from the Federal Reserve. International equities rallied as well, posting a 10.3% gain over the quarter (MSCI ACWI ex U.S.). The U.S. fixed income market was up 2.9% for the quarter (Bloomberg Barclays Aggregate) as interest rates declined. Additionally, the yield curve … Continue reading Q1 2019 Market Review

Hey Joel! – Should we consider life insurance in our retirement plan?

Welcome to Hey Joel! This forum answers plan sponsor questions from all over the country by our in-house former practicing ERISA attorney. Hey Joel, Should we consider life insurance in our retirement plan? ~ Beefin’ up my plan in Buffalo Dear Beefin’, I’m not a fan of having this type of “investment” within a retirement plan.  I often explain my position by asking a client … Continue reading Hey Joel! – Should we consider life insurance in our retirement plan?

Loss Aversion and Fighting Fear

Loss aversion sounds like a good thing — trying to avoid losing. What could be wrong with that? Unfortunately, if taken too far, it can actually be a threat to retirement plan participants’ long-term financial health. Loss aversion is the tendency to prefer avoiding potential losses over acquiring equal gains. We dislike losing $20 more than we like getting $20. Yet, this common bias can … Continue reading Loss Aversion and Fighting Fear

Ten Reasons to Roll Over Into Your Plan Versus an IRA

Do you have employees in a prior employer’s retirement plan? Should they transfer these assets to a personal IRA or into your employer-sponsored retirement plan? Review the pros and cons of an individual retirement account (IRA) versus consolidating into the current retirement plan with your employees to help them make this decision. Performance results may differ substantially. As an institutional buyer, a retirement (401(k), 403(b), … Continue reading Ten Reasons to Roll Over Into Your Plan Versus an IRA