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What’s New with Plan Fee Disclosure? |
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By NADART Administrator on
1/29/2008
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Retirement plan fees is a hot-button topic these days. Knowing and understanding the fees different providers may charge can help you chose the right retirement plan for you and your employees.
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Questions About Target Dated Funds? |
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By NADART Administrator on
1/25/2008
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You may have been hearing a lot of discussion on Target Dated Funds in the news lately, as more and more 401(k) plans are offering them in their fund line-ups. Target-dated Funds (also known as life-cycle funds) have an asset allocation based upon the participant’s expected retirement year. The asset allocation automatically changes overtime as the participant nears retirement. For example, a younger employee will have an asset allocation that is geared towards aggressive growth. As the retirement date nears, the mixture becomes more conservative.
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Sample Auto-Enrollment Notice Available |
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By NADART Administrator on
1/22/2008
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If you want to know, as a plan sponsor, how to inform your employees about your retirement plan’s automatic enrollment feature, the Internal Revenue Service (IRS) has posted a sample notice about the subject on its Web site.
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Roth 401(k) or Traditional 401(k) – Which One is Best? |
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By NADART Administrator on
1/17/2008
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Recently, a questioned was asked on CNNMoney.com about whether it was better to participate in a Roth 401(k) or a traditional 401(k) plan. The article is worth looking at, as it gives very good examples of the two plans and the pros and cons associated with each one.
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The Safe Harbor 401(k) Plan - Can it Benefit Your Business? |
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By NADART Administrator on
1/11/2008
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January 1, 2008 marked the date where rules governing Qualified Automatic Contribution Arrangements (QACA) went into effect. Just what is a QACA? A QACA is basically a traditional safe harbor 401(k) plan with an an automatic enrollment provision and some new safe harbor features that were outlined in the Pension Protection Act of 2006. An article by McKay Hochman Co., Inc. does a nice job of detailing the various requirements of the QACA.
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Choosing the Right Investment Line-Up |
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By NADART Administrator on
1/9/2008
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As more and more workers in America are shouldered with the responsibility of saving for their retirement, (as opposed to their employers funding it), they must choose which investments their savings should go in. For this reason, finding a plan that offers a diversified investment line-up is very important.
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Retirement Trends for 2008 |
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By NADART Administrator on
1/8/2008
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According to an article in Investmentnews.com, the retirement industry will be focused on a few areas in 2008 – among them are legislative requirements for fee disclosure, the automatic enrollment provision in 401(k) plans and the continued popularity of Target dated funds.
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Roth 401(k) Offers Savers Additional Flexibility |
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By NADART Administrator on
1/4/2008
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A recent article in the Lansing State Journal praises the Roth 401(k) for offering savers flexibility in saving for retirement. Unlike traditional 401(k) plans, where contributions are made pre-tax and taxes are paid upon withdrawal, Roth 401(k) plans are invested with post-tax contributions. Earnings are not taxed upon withdrawal.
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