Top of Mind


Showing entries with the topic “Investments”.

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30

Nov 2017

Proprietary Funds: The New Lightning Rod for 403(b) Plans?

In the world of 403(b), variable annuities have been a lightning rod for criticism by anyone paying attention.  And, for good reason, with the caveat that there are some variable annuities offered by low-cost providers that shouldn’t be lumped in with the rest. However, in the large 403(b) p…

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21

Sep 2017

Collective Investment Trusts (CITs) and 403(b) Plans: An Update

Recently, we wrote a Top of Mind post about how the University of California (Cal) took the bold step of adding CITs to its 403(b) plans.  For decades, CITs have been the sole domain of annuities and mutual fund products.  As we noted, while it’s been known that CITs are a permissible inve…

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06

Jul 2017

The Importance of Retirement Investing Over Saving for Older Employees

You‘ve heard the same message from many people, including myself:  due to the time-value of money, the earlier you start saving for retirement, the better off you will be when you retire.  When building retirement wealth, the critical factor is the age at which you commence retirement savi…

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22

Jun 2017

Mutual Fund Trading Costs: The Most Important Fee You’ve Never Heard Of?

What if I told you that there is a fee present in mutual funds that is NOT included in the fund's published expense ratios and is often not publicly disclosed by the fund companies, since the SEC does not require its disclosure?  You might laugh, but it is true. These added fees are known as tr…

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08

Jun 2017

Learning from PLANSONSOR's Plan Sponsor of the Year Finalists

Two of our clients, the University of Massachusetts and the Oklahoma State University and A&M System, were selected by PLANSPONSOR as 2017 Plan Sponsor of the Year finalists.  My colleague, Jeff Snyder, had the opportunity to discuss the initiatives that made them worthy of recognitio…

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16

Mar 2017

Your Retirement Plan has HOW MANY Investments?

While many things have changed in my 25 years at Cammack Retirement, some things have remained the same.  One of those is the tendency for retirement plan sponsors to offer too many investment options to their participants. It is not unusual to come across plans with tens, or even hundreds, of …

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09

Mar 2017

Preparing Participants for the Next Market Downturn

As I write this at the close of February, the S&P 500 is up a robust 5.57% for the first two months of the year.  The last seven calendar years have seen an increase in the S&P 500 each and every year, averaging approximately 15% per year since the last correction in 2008. Other equity ind…

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01

Mar 2017

Back to Basics: Investment Terminology, Part 2

Welcome back to Back to Basics! The inaugural edition of Back to Basics featured an explanation of some important retirement plan investment terms. However, there were too many terms for one Top of Mind, so we continue this week with part two: Target Date Fund (TDF) — Also known as a l…

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