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 [...]
Tag Archives | Retirement Planning
Class Offered: Building Your Retirement Income
If you or someone you know in the Mystic, CT area is getting ready to retire, or is already retired, and wants to learn more about how to structure their retirement income, this class may be helpful. Education is the foundation of personal financial empowerment. Without the necessary comprehension, most feel ill-equipped to make the [...]
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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, [...]
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 [...]
Have We Separated From Reality?
The month of June was a good one. The S&P 500 was up over 6% for the month, but essentially just took back most of what it lost in the month of May (May was down over 8%). What we are seeing is the constant daily battle between bad news (unemployment, political battles, Fed actions, [...]
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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.
