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  • Baby Boomers Not Prepared for Retirement

    One of the more common questions we get at my firm is "How can I get active management strategies in my 401(k) plan?" It's a good question since many participant-directed plans such as 401(k)s, 403(b)s and 457 plans are sold by brokerage and mutual fund companies who have no interest in providing strategies that can go to cash to protect retirement assets during market downturns.

    Fortunately, we now have two ways that 401(k) participants can access active management strategies, depending upon the structure of their plans. This week, I'm going to highlight each of these alternatives, one of which virtually anyone can use to put the power of active management in their corner.

    First, however, I'm going to talk about why fresh strategies are needed in many 401(k) plans. Recent surveys have shown that Baby Boomers are woefully unprepared for retirement. While this is nothing new, it may shock you to know that about 25% of Boomers say that they don't think they can retire...EVER! This week's E-Letter is a must-read for anyone with significant 401(k) balances.

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  • Retirement Focus - Year-End Retirement Sugarplums

    The stock market has been doing a bit better lately with both the Dow and S&P 500 Indexes well above their November lows. This, in turn, has resulted in some well-known financial "experts" saying that the market has hit the bottom and it's now time to invest. Other analysts, however, are not so optimistic and point to continued uncertainty as a reason that the market could still go lower. Nowhere is this debate more important than to 401(k) and IRA account holders with large cash balances and are agonizing about whether to jump back into the market, or remain on the sidelines. This week, Mike Posey provides a possible answer to this question, as well as offering a number of other year-end retirement planning ideas that may be helpful to you....
  • Obama's Judges vs. Republican Opposition

    Since I began writing this E-Letter in 2002, I have always maintained that politics and investments are joined at the hip. The political "solutions" coming out of Washington to address the subprime debt crisis and resulting credit crunch should be more than enough to prove this thesis. This week, I'm going to discuss a political issue where the tie to investments may not be as evident, but it's there. The issue is the potential for liberal judicial appointments during the Obama presidency, and how these may change the legal landscape. President-elect Obama is already on record as supporting the "living document" interpretation of the Constitution, and so will likely favor jurists who share this viewpoint. This could mean more "legislating from the bench" and other forms of liberal judicial activism. If so, all I can say is hold onto your pocket books!...
  • The Democrats' Plan To Highjack Your 401(k)

    Well, election day is upon us. While the mainstream media would have us believe that the results are a foregone conclusion in Obama's favor, recent polls have indicated a narrowing of his lead over McCain in some battleground states. Obviously, we'll all just have to wait and see how the votes turn out. In the meantime, I think it's important that we conservatives notice some of the trial balloons that are being floated by the Democratic leadership. One recent proposal that would eliminate the favorable tax treatment of 401(k) plans shows us that, no matter how the election turns out, we have plenty to fear from the liberals who are already in office....