Search results for: personal savings

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State-sponsored retirement plan program proposals

As of April 2015, only three states have succeeded in enacting laws creating retirement savings programs for private-sector workers: California, Illinois and Massachusetts. California is in the process of implementing the California Secure Choice Retirement Savings Trust, which is a mandatory, IRA-based payroll-deposit retirement savings arrangement for employees of certain private-sector employers.

Tagged with: New Tax Regime, Uncategorized

Ahead of the trends — Washington update on retirement savings initiatives

Various federal government initiatives, including tax reform, will impact the way Americans save for retirement. Trends to watch include enforcement, pension de-risking and participant empowerment measures.

Tagged with: New Tax Regime, Uncategorized

Five college savings myths set straight

For college savers, 529 plans offer various tax benefits, flexibility and control. 529 account owners have a choice of state plans, regardless of residency or income level.

Tagged with: Investing

Tax reform proposals that could affect retirement savings

In his State of the Union address on January 20, the president outlined his agenda for tax reform, which includes provisions that could — if enacted — affect the retirement services industry. The White House released a fact sheet on the proposed tax code changes that were part of the State of the Union address.

Tagged with: New Tax Regime, Uncategorized

Interest rates in a highly indebted economy

In a highly indebted economy, there is no fixed cap on the level of interest rates. Any increase in interest rates must be consistent with tolerable debt service ratios, the existing stock of debt and private sector savings.

Tagged with: Economy, Fixed Income, Investing, Markets

Millennials, are you ready to take the next steps?

As a group, Millennials are intensely conservative when it comes to investments. Avoiding equities and saving cash in lower yielding, lower risk accounts is jeopardizing Millennials’ long-term financial security.

Tagged with: Investing

College costs 101

Your child’s dream is to go to college. Your dream is to pay for it.

Five lessons from 25 years in the tech sector

Paul Wick has been investing in the technology sector longer than any other current portfolio manager of a U.S. technology fund. Back in 1990, when he started in the sector, Motorola had just introduced its flip phone, Apple had recently rolled out its beige box Mac Classic personal computer, and there were a lot of major subsectors that barely exist today – companies making UNIX computers and tape drives.

Tagged with: Equities, Industry/Sector Commentary, Investing

State of Illinois budget gap — staggering, yet fixable

Illinois’ structural budget deficit is fixable, but will likely require tax increases in addition to spending cuts. The Illinois Supreme Court’s rejection of 2013 pension reform will make resolving the State’s pension burden more challenging, but not impossible.

Tagged with: Fixed Income, Muni Perspectives, Municipal Bonds

Apparel retail doldrums

Since 2011, consumer spending has been below average overall, and spending on retail apparel has been especially poor. A host of factors, from shifting consumer priorities to poor inventory control have forced apparel retailers to compete on price, and sales and profitability have suffered dramatically.

Tagged with: U.S. Economy
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About Us

Columbia Threadneedle Investments is a leading global asset management group that provides a broad range of actively managed investment strategies and solutions for individual, institutional and corporate clients around the world. With more than 2,000 people, including over 450 investment professionals based in North America, Europe and Asia, we manage $506 billion†† of assets across developed and emerging market equities, fixed income, asset allocation solutions and alternatives.

††In U.S. dollars as of March 31, 2015. Source: Ameriprise Q1 Earnings Release. Includes all assets managed by entities in the Columbia and Threadneedle groups of companies. Contact us for more current data.