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Eight Must-Read Articles for Advisors in the Know

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EBRI: Target-Date Fund Use

Data from the EBRI/ICI 401(k) database for 2007-2008 show that 401(k) plan participants who use TDFs have a very high likelihood (94 percent) of remaining in these funds the following year.

Future growth can be expected in TDFs as participants in target-date funds remain in these investments, and as new participants sign up for them voluntarily or through a default option.

Fidelity Finds Younger Investors Taking Advantage of the Roth IRA Conversion Opportunity

Fidelity Investments has released an analysis of households that have completed a Roth IRA conversion. In a year-over-year comparison, Fidelity is seeing a significant shift from older to younger investors making Roth IRA conversions.

Weighing income Annuities versus an income-producing Portfolio

Financial advisor Charlie Farrell explains why he believes an income-producing portfolio is a better solution than an income annuity in an article by Mark Miller.

Lawmakers Seek to Extend Income as Retirees Outlive Savings

Bloomberg’s Margaret Collins reviews the issues surrounding the discussion of whether defined contribution retirement plans should include an income option.

Managing Retirement Income for the Mid-Market

Kevin S. Seibert, CFP, CRC, CEBS, and Betty Meredith, CFA, CFP, CRC, explain the six-step financial planning process they follow to manage retirement income for middle mass and middle affluent consumers.

Leveraging Multiple Small Employer Plans to Close the Retirement Coverage Gap

Prudential Retirement’s John Kalamarides discusses Multiple Small Employer Plan (MSEPs), which he believes would encourage small employers to offer retirement savings plans.

John Hancock Retirement Plan Services Enhances the Lifecycle Suite

John Hancock is introducing new Retirement Choices+target-date portfolios which are designed to take participants “to” retirement and accommodate the participant who wishes to select another investment strategy at time of retirement.

Fidelity’s 401(K) Data Show Steady Savings Pattern, But Loans/Hardship Withdrawals on the Rise

Fidelity Investments has released its quarterly data on the state of the 401(k) that show positive, steady savings behavior by the majority of participants. However, it also cited an increase in the use of loans and hardship withdrawals by participants.


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