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Plan Optimization

BY NAPA Net Staff | 12/5/2012
People are strange, and most plan advisors can attest that participants in their plans are no exception. One thing advisors wonder about is why it’s so difficult for people to save money today in... Read More
BY Fred Barstein | 11/27/2012
At the second TRAU Group Study Session, where more than 40 C(k)P candidates gathered recently at Transamerica’s downtown Los Angeles headquarters, advisors and industry professionals were asked the... Read More
BY NAPA Net Staff | 11/12/2012
Offering his version of the ideal defined contribution system, John Bogle, founder of Vanguard, spells out a private system overseen by a federal retirement board that would include:• One plan type... Read More
BY NAPA Net Staff | 11/5/2012
Bloomberg reports that some participants are cashing out their 401(k)s to buy real estate. With the home market rebounding and investors wary of the stock market, some participants are more confident... Read More
BY Fred Barstein | 11/1/2012
At a recent group study session held by The Retirement Advisor University (TRAU) in Boston, advisor and provider C(k)P candidates were asked to create the ideal 401(k) plan as part of their case... Read More
BY NAPA Net Staff | 11/1/2012
In a recent national survey of investors, nearly 90 percent of respondents said they felt it would be important to have a strategy in place for using their savings and investments to generate a... Read More
BY NAPA Net Staff | 10/29/2012
With more DC assets going into stable value funds, the question is whether anyone can really determine what the fees are and whether these types of investments can comply with the new DOL fee... Read More
BY NAPA Net Staff | 10/25/2012
Twenty-six years ago today, President Reagan signed a sweeping bipartisan tax reform that chopped the top individual income tax rate from 50% to 28%; curbed special deductions, exclusions and breaks... Read More
BY NAPA Net Staff | 10/22/2012
We’ve been hearing why ETFs make sense in 401(k) plans for a long time. But especially in light of the DOL’s fee disclosure regulations — which highlight cost and transparency, two of ETFs’... Read More
BY NAPA Net Staff | 10/18/2012
Sometimes the biggest risk is not taking enough risk. In a recent survey, Natixis found that market volatility and uncertainty still keeps many investors on the sidelines, with 57% of the respondents... Read More
BY NAPA Net Staff | 10/12/2012
It might have seemed like a good idea to offer 401(k) participants a smorgasbord when it comes to designing the right plan to help them retire successfully. But behavioral finance shows us that... Read More
BY NAPA Net Staff | 10/11/2012
The usual debate about fees charged by mutual funds is about whether to use passive or active funds. The argument for passive funds is that very few active funds beat their benchmark, so why pay more... Read More
BY NAPA Net Staff | 10/4/2012
Speaking at an industry conference years ago, Schwab CEO Walt Bettinger — who grew up in the 401(k) world — noted that there are three types of 401(k) providers: market leaders, market followers and... Read More
BY NAPA Net Staff | 10/2/2012
A proposal by Sen. Tom Harkin (D-IA) to address what he calls the “retirement crisis” would shore up Social Security and also create a new retirement fund run by the government but funded privately.... Read More
BY NAPA Net Staff | 10/2/2012
For decades, the defined contribution industry has focused on the performance of individual funds at the expense of other plan metrics. In a recent white paper, W. Van Harlow, Director of Research,... Read More
BY NAPA Net Staff | 9/29/2012
By Richard PhillipsThe metaphor of a design-focused 401(k) easily lends itself to construction imagery, where each building block needs to be in the right place, in the right alignment, at the right... Read More