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Your 401(k) Reference

Best Practices for Constructing an Investment Menu Strategy

 March 27 2019
    Horan Securities, Inc. is a Registered Broker/Dealer and a Registered Investment Advisor, member FINRA/SIPC. Horan Securities, Inc. and Horan Wealth Management are part of HORAN. Investing in securities involves risks, and there is always the potential of losing money when you invest in securities. The information herein has been obtained from sources believed to be reliable, ...

Your 401(k) Resource - October 2010

 October 1 2010
On September 27, 2010, President Obama signed the Small Business Jobs Act of 2010. This Act includes provisions that affect Roth accounts in retirement plans.

Your 401(k) Resource - January 2010

 January 1 2010
When making decisions about their retirement plans, plan sponsors have a duty to understand and evaluate conflicts of interest that could impact the plan. In some cases, plan sponsors are prohibited from entering into transactions that involve conflicts of interest.

Your 401(k) Resource - December 2009

 December 1 2009
While ERISA requires all fiduciaries and persons handling plan funds to be bonded, it does not require them to be insured. Companies often carry a Directors and Officers (D&O) insurance policy. This insures the directors and officers of the company for their decisions and actions. It is wise to understand if your insurance covers decisions related to ERISA and retirement plans as some policies...

Your 401(k) Resource - November 2009

 November 1 2009
It's obvious: Companies are trying to survive. Doing more with less is becoming the motto - often translating to cuts in pay, perks and benefits. One of those cuts is matching contributions to the company's 401(k) plan.

Your 401(k) Resource - October 2009

 October 1 2009
So, how's that 401(k) investment education working out? Not very well, if you consider recent survey data.

Your 401(k) Resource - September 2009

 September 1 2009
When hiring picks up again, this blend of defined benefit and 401(k) features will help snag top talent.

Your 401(k) Resource - August 2009

 August 1 2009
A recent study by the Transamerica Center for Retirement Studies indicates that workers participating in a defined contribution plan do not know or have a complete understanding of fees and expenses.

Your 401(k) Resource - July 2009

 July 1 2009
Under regulations proposed by the IRS, an employer undergoing a substantial business hardship can reduce or suspend 401(k) safe harbor nonelective contributions during a plan year. The rules give employers an alternative to terminating their safe harbor plans. The regulations are proposed to be effective for amendments adopted after May 18, 2009, but employers may rely on the proposed regulations ...

Your 401(k) Resource - June 2009

 June 1 2009
As the financial crisis continues, it appears U.S. employers view the situation as significantly more serious than they did just six months ago. A follow-up survey conducted by the International Foundation of Employee Benefit Plans in May 2009 found that the crisis has forced both defined benefit (DB) plan sponsors and defined contribution (DC) plan sponsors to make changes to their retirement cov...
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