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Author Archives: Dr. 401k
Participant Loan Strategy for the Enterprising Investor
As an employee benefits practitioner, I have long argued against participant loan features in 401(k) and other tax qualified retirement plans. When employers insist on participant loan availability, I encourage them to consider adoption only in the case of a … Continue reading
Posted in 401k, Employees, Investment Alternatives, Investment Returns, Loan, Mutual Funds, Plans, Retirement
2 Comments
Rethinking Retirement Plans for High-Income Professionals
The growth of defined contribution plans with cash or deferred arrangements, more colloquially known as 401(k) plans, has been remarkable since their introduction in 1981. In 1992, these plans accounted for 31.6% of employer-sponsored retirement plans; in 2007, they represented … Continue reading
Posted in 401k, Defined Benefit, ERISA, Investment Returns, Plans, Retirement
5 Comments