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Capital Preservation

BY Nevin E. Adams, JD | 6/19/2018
One of my favorite cinematic quotes is from that Clint Eastwood classic, "Dirty Harry."It comes at the very beginning of the movie – there’s a bank robbery in process, and Clint Eastwood (in the... Read More
BY NAPA Net Staff | 8/18/2017
Lawsuits alleging breach of fiduciary duty related to the selection of capital preservation investment options should serve as a caution to DC plan fiduciaries of the plaintiffs’ bar’s growing... Read More
BY Nevin E. Adams, JD | 8/8/2017
Many years ago, there was a commercial (for car oil filters, as I recall) that cautioned, “You can pay me now, or pay me later” – in other words, spend a little now on an oil filter, or pay lots... Read More
BY Nevin E. Adams, JD | 5/11/2017
There’s been a lot of rumbling on and around Capitol Hill about a potential shift to Roth contributions for 401(k) plans as part of tax reform. So, how might that weigh on – or boost – retirement... Read More
BY Nevin E. Adams, JD | 4/25/2017
I made the switch to Roth for my retirement savings years ago – and I have long counseled younger workers, who were likely paying the lowest tax rates of their working lives, to do so as well.Pre-tax... Read More
BY Nevin E. Adams, JD | 2/14/2017
The future is an uncertain thing, and planning for uncertainty inevitably involves making some assumptions.Here are six that, done improperly, can wreck your retirement.How Long You’ll LiveThe good... Read More
BY John Ortman | 4/18/2016
Is a DC plan enough to get participants to where they need to be financially when they make that jump into retirement? What practical steps can advisors take to help participants get on track and... Read More
BY Nevin E. Adams, JD | 4/5/2016
It was 10 years ago last week – a Saturday morning as I recall. I had just wrapped up my weekly column when I got a call from my sister. My father, at the age of 76, suffered a series of heart... Read More
BY Nevin E. Adams, JD | 11/10/2015
Beyond the tax advantages to saving for retirement on a pre-tax basis, the ability to watch those savings grow without paying taxes until they are actually withdrawn, there is another savings... Read More
BY Nevin E. Adams, JD | 9/1/2015
By now, you’ve heard — and perhaps dispensed — what appears to be the “common wisdom” about the recent market tumult: “stay the course,” “ride it out,” and my personal favorite, “don’t just do... Read More
BY NAPA Net Staff | 8/12/2014
A retirement savings demonstration has found its way into the record books — the Guinness Book of World Records, in fact. Prudential Financial turned up at the NASCAR Hall of Fame courtyard in... Read More
BY John Iekel | 3/24/2014
“Right now is a pivotal time for the retirement plan industry,” declared Wagner Law Group president Marcia S. Wagner -- capturing the tenor of a discussion about longevity planning at a March 23... Read More
BY Fred Barstein | 9/17/2013
As the retirement industry is fighting to keep money market funds in pension plans and the SEC considers reforms spurred by the Great Recession, others are questioning whether MMFs belong in DC plans... Read More
BY Fred Barstein | 8/12/2013
In what could be a watershed decision, the 7th Circuit U.S. Court of Appeals reversed a lower court decision denying plaintiffs in the Abbott v. Lockheed Martin case class action status. The... Read More
BY Fred Barstein | 7/26/2013
According to British politician Ed Miliband, “...the only time we made progress, we did it by challenging the conventional wisdom.” Taking that challenge, Schwab’s Rande Speigelman exposes what he... Read More
BY Fred Barstein | 7/25/2013
Though appealing in theory, the use of managed accounts (MAs) in DC plans has not only been low but also seems to be declining. According to research by the PSCA, only 3.6% of plans offer MAs, and... Read More
BY Fred Barstein | 7/24/2013
People are watching the Detroit bankruptcy filing carefully, wondering whether it is the start of a trend for other cities and municipalities in financial trouble – many driven by underfunded pension... Read More
BY Fred Barstein | 5/7/2013
In another bit of fallout from the 2008 Great Recession, major providers of variable annuities are invoking contract provisions they rarely if ever used previously to restrict or ban new money from... Read More
BY NAPA Net Staff | 3/20/2013
Stable value is one of the most popular investment choices in DC plans — and one of the least understood. Some advisors use this lack of understanding by plan sponsors and their competitors as a... Read More
BY NAPA Net Staff | 3/15/2013
With many investors concerned about capital preservation, more focus is being paid to stable value, which is one of the leading investments in that category. Research commissioned by MetLife, a... Read More
BY NAPA Net Staff | 3/1/2013
Quoting Fed governor Jeremy Stein — and perhaps channeling Alan Greenspan — Bill Gross, in his latest investment outlook, ponders the question of whether we’re experiencing another bout of irrational... Read More
BY NAPA Net Staff | 1/11/2013
Using annual return data for large-capitalization stocks and corporate bonds from 1926 through 2011, researchers from Boston College’s Center for Retirement Research studied the distribution of... Read More
BY Sean Murray | 11/28/2012
Forbes’ Janet Novak highlights many of the benefits of a stable value fund, especially in a rising interest rate environment. Some of her points include:• With $650 million in assets, the stable... Read More
BY Sean Murray | 11/26/2012
New research from Wells Fargo details the differences in the savings and spending habits of affluent investors (those with assets in excess of $250,000) and those with less than $250,000 in savings.... Read More
BY NAPA Net Staff | 11/7/2012
Predicting continued slow growth of the U.S. economy and continued lower interest rates from the Fed, PIMCO’s Bill Gross predicts bite-sized future returns and the growing risk of misguided monetary... Read More