What volatility means for retirement plan participants
Key takeaways
- Careful menu design can help retirement plan participants make better investment decisions.
- Investors nearing retirement are among the most vulnerable to downward market volatility because they have less runway available to make up any losses.
- “Defensive equities” may offer older employees a better balance of risk and return than simply lowering equity allocations.
As the market neared its ninth consecutive year of bullish growth in early 2018, volatility made a return to the market — and again, dramatically, in the fourth quarte
Retirement income planning in the “new normal”
Retirement policy, interest rates and market volatility have made retirement planning more challenging for clients and advisors alike. What are the philosophies, opportunities and challenges you need to be aware of to help your clients navigate decumulation in today’s environment?
In this episode, we’re joined by Jamie Hopkins, Director of Retirement Research at Carson Coaching and co-creator of the Retirement Income Certified Professional (RICP) designation. Jamie discusses the opportunities and challenges associated with creating retirement income in this new environment, including how to help shift the mindset of individuals to adapt to these changes.The IRS recently announced that it will allow plan sponsors to pay out pensions as a lump sum to plan participants. In this video BMO Global Asset Management discusses what considerations should be made by plan sponsors and plan participants before choosing lump sum as an option.
Lump Sum Payouts from Pension Plans
The IRS recently announced that it will allow plan sponsors to pay out pensions as a lump sum to plan participants. In this video BMO Global Asset Management discusses what considerations should be made by plan sponsors and plan participants before choosing lump sum as an option.
