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My colleagues and I are beginning to think seriously about embedding annuities in 401(k) plans. Now, 401(k) plans generally offer lump sums, which means that retirees have to decide how much to withdraw each year.
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An analysis found defaulting a portion of balances in deferred income annuities (DIAs) would boost income for retirees later in life, and researchers offered suggestions for implementation by defined contribution (DC) plan sponsors.
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The SECURE Act, currently with the US Senate after being passed by the US House of Representatives, is expected to create additional market opportunities for the retirement and employee benefits industries.
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“This time is different.” We’ve heard it before. We heard it when technology stocks were skyrocketing in the late 90s, and then just before the real estate bubble burst a decade ago.
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A growing number of employers are exploring ways to help 401(k) participants turn their savings into a sustainable income in retirement, even ahead of Congress passing legislation that would make it easier to do so.
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Pension policy specialists have explained why you might care about “portability” — one of the little-discussed, complicated-sounding provisions in the major retirement bills now in play in Congress.
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The (mostly) pros and cons of including deferred lifetime income annuities as a default in employer provided 401(k) plans are investigated in a new research paper from Brookings Economic Studies program.
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Defined contribution plan participants are unlikely to feel confidence about retiring when they receive no retirement income projections and no help defining discretionary versus required expenses. Three researchers present a retirement spending strategy focused on delaying Social Security and getting the most out of RMDs.
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The SECURE Act changes would alter the way 401(k) plans operate in significant ways by changing the rules affecting coverage, distributions and participant disclosures and by opening up the market for multiple employer plans (MEPs) covering unrelated employers.
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Annuities have been historically underutilized by advisors but that could be changing.  Although previously  framed as requiring much processing and being plagued with compliance concerns, annuities are newly the answer to "what products are right for your clients?".
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