The 401(k) Fiduciary Advice Blog https://bemanaged.com/ 401(k) Participant Advice Best Practices for Employers and Advisors 401(k) Investing Tips and Insight for 401(k) Investors Thu, 15 Feb 2018 18:14:30 +0000 en-US hourly 1 https://wordpress.org/?v=6.9.4 https://bemanaged.com/wp-content/uploads/2020/05/BeManaged-Icon-Blue-80x80.jpg BeManaged https://bemanaged.com/ 32 32 Market Euphoria: Not The Time To Review Risk Profiles And Strategic Asset Allocations https://bemanaged.com/market-euphoria-not-time-review-risk-profiles-strategic-asset-allocations/ Wed, 06 Dec 2017 20:22:22 +0000 https://bemanaged.com/?p=6887 The following was published in www.seekingalpha.com by our very own John Whaley, CFA. Summary Historic market valuations accompanied by historically low volatility create a type of euphoria risk dangerous to clients. Strategic asset allocations should not be changed due to market results. Advisors and clients alike need to be aware of the dangers of a…

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]]> IRS Increases 401k Contribution Limits for 2018 https://bemanaged.com/irs-increases-401k-contribution-limits-2018/ Thu, 19 Oct 2017 21:57:30 +0000 https://bemanaged.com/?p=6844 Today, the IRS increased 401k contribution limits to $18,500 for 2018. It is good news for individuals looking to maximize their retirement contributions. Unfortunately, IRA contribution limits remain unchanged. Recommendation: Set a reminder on your phone or calendar to review your 401k/403b contribution in mid-to-late December to ensure you are maximizing your 2018 retirement savings.…

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]]> The New DOL Fiduciary Rule https://bemanaged.com/new_dol_fiduciary_rule/ Wed, 19 Jul 2017 17:16:02 +0000 https://bemanaged.com/?p=6761 On June 9th of this month, the Department of Labor’s Fiduciary Rule went into a phased implementation period with an effective date of January 1, 2018. The rule was designed to protect investors’ retirement savings. While the rule is thousands of words long, the main focus is this: require anyone providing investment advice to individuals…

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]]> BeManaged Recognized for 10th Year of CEFEX Certification https://bemanaged.com/bemanaged-recognized-10th-year-cefex-certification/ Wed, 05 Jul 2017 20:43:53 +0000 https://bemanaged.com/?p=6743 A few weeks ago, I was fortunate to represent BeManaged in Nashville for our tenth year of being CEFEX certified. Your next question is likely, “Ok, what is CEFEX and why does that matter?” According to the CEFEX (Centre for Fiduciary Excellence) Site: CEFEX is an independent global assessment and certification organization. It works closely with…

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]]> How to Review the Performance of your Investments https://bemanaged.com/how_to_review_performance_of_investments/ Thu, 02 Feb 2017 17:37:37 +0000 https://bemanaged.com/?p=6661 Your investment statements are arriving, so many of us will take a look at our investment accounts to see how we (or our advisor) did. Unfortunately, it can be a bit confusing to determine if we did well, average or poorly. Let's look at the items that will help you determine how you did. How…

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]]> Special Report – Interest Rate Spikes and the Bonds in Your Portfolio https://bemanaged.com/special-report-interest-rate-spikes-bonds-portfolio/ Fri, 16 Dec 2016 21:07:28 +0000 https://bemanaged.com/?p=6615 There is rising concern regarding the impact of higher interest rates on the bond funds in client portfolio. The purpose of holding bond funds is to provide a return above the level of cash while waiting for a more rational stock market environment. As always, the potential return over and above money market funds comes…

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]]> 2017 401k & IRA Contribution Limits Go Unchanged from 2016 https://bemanaged.com/2017-401k-ira-contribution-limits/ Fri, 28 Oct 2016 13:43:28 +0000 https://bemanaged.com/?p=6601 2017 IRS Contribution LimitsLook familiar? That's because it is, because the 2017 IRS 401k and IRA contribution limits were announced and there are no significant changes from 2016. Below are the limits that affect most investors.   Click to Read More Details at 401khelpcenter.com

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]]> Stock and Bond Markets Remain Overvalued – October 2016 https://bemanaged.com/stock-bond-markets-remain-overvalued-october-2016/ Thu, 20 Oct 2016 22:03:56 +0000 https://bemanaged.com/?p=6594 The average of four fundamental valuation measures shows a market nearly two standard deviations (82%) above its historical norm: Source: Advisor Perspectives, October 6, 2016 https://www.advisorperspectives.com/dshort/updates/2016/10/04/market-remains-overvalued Remember, asset price inflation (speculative return) contributes a very small amount towards total return over the long haul. Since 2012, however, speculative returns have been in the double digits…

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]]> Reduced Future Returns Expected for Retirement Savings https://bemanaged.com/reduced-future-returns-expected-retirement-savings/ Thu, 20 Oct 2016 21:53:36 +0000 https://bemanaged.com/?p=6589 Investment advisors and financial salespeople need to help retirement savers understand that we have entered a new era for investment returns, an era of much lower earnings growth for companies and significantly lower interest rates for stock and bond investments. Let’s look at historic investment returns for portfolios with differing levels of market risk: John…

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]]> What is “The Right Price” to Pay for a Stock? https://bemanaged.com/right-price-pay-stock/ Thu, 11 Aug 2016 19:15:41 +0000 https://bemanaged.com/?p=6552 The amount of money we decide to place in common stocks in your investment portfolio is partially driven by the prices we have to pay for those stocks. The higher the price we pay for a dollar’s worth of earnings generated by a stock, the lower the chance that we receive the returns we need…

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