Pension Payout Options Most corporate pension systems offer a range of options when choosing how to receive benefits. It is extremely important to choose wisely, as in virtually all cases, once an election has been made, it cannot be “undone”. Make the wrong choice, and you must live with it for the rest of your [...]
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401K Contribution Limits
Each year the IRS publishes updated 401K contribution limits, as well as catch-up contribution limits for the new year. Typically, the limits the IRS sets each year is based on inflation factors (with minimum $500 increases), so they do not necessarily increase the limit each year. For 2013, however, the 401K contribution limit has been [...]
General Dynamics 401K Connection Newsletter – November 2012
Here is the November 2012 issue of the General Dynamics 401K Connection newsletter. The 401K Connection Newsletters are independent evaluations of 401(K) plans that help participants better understand their retirement accounts, the many investment options available to them, and provide them with model portfolios that they are free to follow and emulate at their discretion. The newsletters are [...]
Pfizer 401K Connection Newsletter – November 2012
Here is the November 2012 issue of the Pfizer 401K Connection newsletter. The Pfizer 401K plan is administered by Fidelity Investments. The 401K Connection Newsletters are independent evaluations of 401(K) plans that help participants better understand their retirement accounts, the many investment options available to them, and provide them with model portfolios that they are free [...]
Don’t Buy-and-Forget the Investments in your 401K Plan
The buy-and-hold investment strategy for company sponsored retirement plans, such as a 401K plan, has become a relic of the past. Let me re-phrase that: Buy-and-forget investing is a relic of the past. Buy-and-Forget is not an Investment Strategy I often have prospective clients come to me with a stack of statements…brokerage accounts, 401K accounts, [...]
Investing In Employer Stock
Many employees that have invested in their employer’s company stock, either through their 401K plan, a stock-option plan, or direct stock-purchase plan are aware of some of the risks and pitfalls that come with it. In the accompanying video, David Blanchette, Head of Retirement Research for Morningstar Investment Management discusses some of the specific risks.
General Dynamics 401K Connection Newsletter – September 2012
Here is the September 2012 issue of the General Dynamics 401K Connection newsletter. The 401K Connection Newsletters are independent evaluations of 401(K) plans that help participants better understand their retirement accounts, the many investment options available to them, and provide them with model portfolios that they are free to follow and emulate at their discretion. The newsletters are [...]
Pfizer 401K Connection Newsletter – September 2012
Here is the September 2012 issue of the Pfizer 401K Connection newsletter. The 401K Connection Newsletters are independent evaluations of 401(K) plans that help participants better understand their retirement accounts, the many investment options available to them, and provide them with model portfolios that they are free to follow and emulate at their discretion. The newsletters are [...]
What Is a “Stable Value Fund” in a 401K?
Stable Value Funds Just as the term implies, a Stable Value Fund attempts to maintain a constant price, or principal value, regardless of stock market or interest rate environments. These funds are typically found in company-sponsored retirement plans such as 401K’s, 403B’s, and the like. Stable Value Funds (also sometimes referred to as “Fixed Accounts” [...]
Nine Common Mistakes Investors Make
We see some of the same mistakes repeated over and over again by ordinary investors… Mistake No. 1: Looking For a ‘Magic Bullet’ Many investors look for the “best” mutual fund thinking that there must be a handful of funds that can bring the desired return. In fact, each mutual fund focuses on very specific [...]
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About Robert Henderson
Robert Henderson is founder and President of Lansdowne Wealth Management, serving the retirement planning and investment needs of families and individuals in Connecticut and surrounding states.
