Retirement Education Articles

9/11/2018
Determining the best use of these tax-friendly options can prove crucial to boosting your retirement savings.�...
8/7/2018
Advisors offering fiduciary services to 401(k) and 403(b) plans aren't all the same. In fact, they come in two distinct flavors. ...
5/24/2018
The complexities of implementing and executing 401(k) and 403(b) plans keep expanding. For plans advised by IFA, we're stressing a back-to-basics approach. ...
4/10/2018
The retirement plan marketplace keeps evolving. Just ask Shareen Balkey, who sees changes in 401(k) plans and the like as boosting the need for true fiduciaries to help both plan participants and sponsors. ...
1/12/2018
Definitions: Pre-Tax 401(k) Contributions: Contributions are made before income taxes are taken out. Participants enjoy tax-deferred growth on their contributions, but will pay income taxes ...
9/12/2017
Near the very top of everyone’s financial planning list of questions is, “when can I afford to retire?” What may seem like a very straightforward ...
2/23/2017
The beginning of the year is a great time to remind investors of the contribution limits for various savings vehicles in order for them to ...
2/7/2017
The fiduciary rule issued last year by the Department of Labor (DOL) and backed by the previous administration is now under review at the request ...
1/10/2017
As we come to the end of the year it is important to reflect on some of the lessons learned from 2016. One of the ...
12/28/2016
Saving for retirement, let alone saving enough for a retirement, is a difficult endeavor for most investors. With the majority of baby boomers being underfunded ...
2/10/2016
How do we enjoy our resources today without sacrificing future financial security? What is the delicate tradeoff between current and future consumption? These questions are ...
1/29/2016
The retirement plan industry has come out of the shadows in the last three decades. For the better half of the last century, the topic ...
10/9/2015
We recently came across an article from Employee Benefit News that highlighted the overall disconnect that participants in small companies have with their 401(k) plan. ...
10/8/2015
Charles Ellis is a prominent and successful authority in the investment world. Most known for his book, Winning the Loser’s Game, which is now in ...
9/11/2015
Index Fund Advisors is a big fan of employer-sponsored retirement plans. Giving employees the opportunity to save for retirement by utilizing the incentives ...
8/7/2015
Most of us, either through personal experience or someone we know, have had to go through the experience of being a trustee. There may even ...
7/7/2015
A recent article published on benefitspro.com summarized the recent trends in retirement asset size and location. Not surprisingly, more and more assets are being geared ...
5/21/2015
“We are very pleased with this historic and landmark, unanimous decision by the Supreme Court. Going forward, this decision will be of great significance for ...
5/20/2015
“Killing two birds with one stone” is a very popular, although slightly violent, idiomatic expression of efficiency. Whether it is being able to accomplish more ...
3/25/2015
In the wake of a recent Presidential announcement, mutual fund 12b-1 fees/revenue sharing known as “backdoor payments” as the White House calls them, are under ...
2/26/2015
A few weeks ago, we published this article about a White House memo in which the Chairman of the Council of Economic Advisers (Jason Furman) ...
12/18/2014
BrightScope and the Investment Company Institute recently collaborated to produce this report on the current state of 401(k) plans based on BrightScope’s database of over ...
11/14/2014
The Employee Retirement Income Security Act (ERISA) defines the roles and responsibilities of various fiduciaries for defined contribution retirement plans. In this article, we will ...
10/24/2014
How much should you be saving for retirement? The answer should be customized, based on how their income grows prior to retirement....
10/23/2014
The Internal Revenue Service today announced cost‑of‑living adjustments affecting dollar limitations for pension plans and other retirement-related items for tax year 2015. Many of the ...
10/13/2014
We are quite pleased to learn about two recent court rulings on a topic that is very important to us, fiduciary protection in retirement plans. ...
10/10/2014
Saving for retirement always seems like a monotonous topic of discussion – the party killer if you will. Terms like 401(k), Safe Harbor, salary deferrals, ...
9/30/2014
  Question: I was recently informed by my company that the majority of the funds in our 401(k) plan have beaten their benchmarks as of ...
9/24/2014
The answer, of course, is different for every person. In the video, Marlena Lee of Dimensional Fund Advisors explains....
9/12/2014
Due to the auto-enrollment requirements of the Pension Protection Act of 2006, target-date funds have gained significantly in popularity in recent years. To gain the ...
8/14/2014
A little less than a year ago, we published this article about Fidelity facing a class action lawsuit by its employees alleging that the firm ...
6/16/2014
According to this Bloomberg article, Vanguard just passed up Fidelity to become the number one provider of 401(k) assets, thus continuing the long-term trend of ...
4/14/2014
In December of 2012, Demos, a liberal think tank, published The Retirement Savings Drain: The Hidden and Excessive Costs of 401(k)s. It caused quite a stir ...
4/8/2014
Last year, we wrote about the exploits of Professor Ian Ayres of Yale Law School. You may recall him as the fellow who sent letters...
12/2/2013
Matt Schifrin of Forbes was absolutely correct when he described the retirement crisis as a gigantic socioeconomic problem that should be weighing......
11/15/2013
The upcoming Treasury auction in January of 2014 will be different from past auctions in that it will mark the debut of a new category ...
11/15/2013
At Index Fund Advisors, we have assisted many clients in making the crucial decision of how to take a payout at retirement—as an annuity or ...
11/14/2013
1)      Inflation Risk—the loss of purchasing power over time. As Moshe Milevsky points out, every person has his or her own unique inflation rate that ...
11/12/2013
OK, so maybe it wasn’t Charles Schwab himself, but Walter Bettinger is the President and CEO of Charles Schwab, and he certainly has the authority ...
9/19/2013
A few months ago, we published this article discussing lawsuits filed against financial services companies (Cigna and Ameriprise Financial) by their own employees for breaching ...
8/20/2013
The major Wall Street firms provide a large source of revenue for the few companies that dominate the news media. This is why we found ...
7/22/2013
While we have often written about the sorry state of affairs that constitutes today’s 401(k) industry, as documented in this PBS Frontline documentary, Professor Ian ...
6/26/2013
About two months ago, PBS aired “The Retirement Gamble” which delved into the problems facing American workers who have had their defined benefit pension plans ...
5/14/2013
A question we are commonly asked at Index Funds Advisors is whether contributions to a 401(k) plan should be to a traditional or a Roth account....
4/25/2013
For the last fourteen years, IFA has been educating investors on the sensible way to invest, based on decades of academic research. Amid all the ...
5/23/2012
Source: NASA On rare occasions, a change so profound and significant occurs in the financial world that it is given the “big bang” designation. Examples ...
1/31/2011
Forget the old brochures and model-portfolio charts. An increasing number of 401(k) plans now are offering extensive advice programs, and even the opportunity to turn over management of your account for a fee....
11/10/2010
This article will teach you the difference between two confusing topics....
9/12/2008
"Fiduciaries should strongly consider index funds as an alternative to actively managed funds. Index funds incur about 80% less in transaction costs than actively managed funds…long-term returns for actively managed funds trail their respective indexes."...
4/21/2008
"Many 401(k)-style plans charge hidden fees that can cut deeply into worker's retirement savings, and many plan participants do not have access to low-cost investment options--index funds--that can help them boost their retirement savings."...
3/7/2003
International diversification is an issue that should have been settled a long time ago. However, many investors believe that cross-border diversification increases risk. Now, new support from academics provide new evidence of its value as a risk reducer. ...
7/16/2002
The historical record provided by academic studies is very clear that the winning investment strategy is to invest in funds that are passively-managed index funds, exchange-traded funds (ETFs), and passive asset class funds. Unfortunately, a conflict of in...
4/19/2000
Investors have a variety of options when looking to invest their money in tax-sheltered retirement accounts. For investors with more limited income, the traditional IRA allows for an immediate tax deductions. The more recently instituted Roth IRA is availa...
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