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Articles by Patty Kujawa

Find Out More About the Roth 401(k)

October 27, 2011
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These websites have useful tools and information to help compare the differences between Roth and traditional 401(k) plans:
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Roth 401(k)s Are Slow to Gain Toehold Among Employee Portfolios

October 26, 2011
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A new survey from the Profit Sharing/401k Council of America shows that more employers are offering Roth 401(k) plans, but many employees aren't taking advantage of this tax strategy.
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Are Millennials Too Conservative When Investing?

October 11, 2011
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Like baby boomers and Gen X'ers before them, now it's the millennials' turn to be targeted for their lack of savings savvy for retirement. Some say they are stock-market averse, and others contend it's from watching their parents' hard-earned savings go poof over the past several years.
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Investing in Employees

September 28, 2011
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Despite a tough, volatile economy, 10 small to midsize companies have been able to run successful businesses while bringing stability to employees through strong benefits programs. These businesses have made Principal Financial Group's 10 Best Companies for Employee Financial Security—2011 list.
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Explaining the Various Retirement Plans

September 5, 2011
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Here's a quick glance at the differences between defined contribution, defined benefit and cash-balance plans.
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Retirement Plans Morphing as Defined Benefits Fade for New Workers

September 5, 2011
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As of May, 30 percent of Fortune 100 companies offered a defined benefit plan to new salaried employees, down from 37 percent at the end of 2010 and 83 percent as recently as 2002. How are employees reacting to this change in their total compensation?
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Mailing Benefits Packets? Feds Weigh the Cost and Risks of Electronic Communication

August 15, 2011
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While electronic disclosure would be more efficient and cost-effective for plan sponsors, the U.S. Labor Department has concerns about some employees missing out on key information.
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Retirement Plan Providers Seek More Time to Distill Labor Department Fee Rules

August 15, 2011
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While the Labor Department just granted extensions on effective dates to disclose detailed fee information, many in the industry are asking for even more time to process possible changes once the federal rules are complete.
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Creativity Becoming a Key With Benefit Plans, Especially for Boomers

July 29, 2011
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According to a Bank of America Workplace Benefits Report , 94 percent of employers say it’s important to keep older employees past their retirement date, mostly because of their institutional knowledge, skill set and ability to train new employees.
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Workers, Employers Fret About Life After Retirement—25 Years Later

July 13, 2011
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Longevity is one of the largest factors retirees need to think about when turning 401(k) lump sums into a stream of monthly retirement payments. As the primary educators for accumulating retirement nest eggs, plan sponsors are going to need to adapt educational awareness to help employees understand the concept of making their retirement funds last. How are employers making this shift—from accumulation growth education to education about making money last?
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