Search results for: retirement plans

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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

PBGC’s 40th anniversary report – Some good news and some bad news

The overall financial position of the 40-year old Pension Benefit Guarantee Corporation is adequate for the next several years. However, the multiemployer deficit is a real concern.

Tagged with: Global Perspectives

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

State and local government pension update

Concerns about pension plan solvency are widespread and attention-grabbing, yet unjustified in some cases. Pension funded ratios have declined at the state and local levels, though the cost of funding required contributions remains manageable.

Tagged with: Muni Perspectives, Muni Perspectives Blog, Municipal Bonds

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

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

Generate an appropriate stream of income in retirement

Traditional approaches to income may no longer work. Generating the retirement income you need takes fresh thinking and the ability to pursue opportunities wherever they arise.

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Death, taxes and Medicaid expansion

Almost as certain as death and taxes is Medicaid expansion under ACA and the move by states toward Medicaid managed care and away from traditional fee-for-service. Medicaid managed care enrollment will expand as states transition beneficiaries from fee-for-service coverage to managed care and the “opt-in” states broaden eligibility.

Tagged with: Equities, Investing

Pension weeds are choking the Garden State

A lagging economy, budget imbalances and rapidly growing long-term liabilities are driving credit rating agency downgrades in New Jersey. With pension and other post-employment benefits liabilities growing at an unsustainable rate, the state needs to pursue additional politically difficult decisions and reforms.
New Jersey remains investment grade, but the state is likely to see continued volatility and credit rating pressures.

Tagged with: Fixed Income, Global Perspectives, Municipal Bonds, Tax Strategies

How plan sponsors can plan for the coming changes to mortality tables

RP-2014 mortality tables are expected to increase the average pension plan’s liabilities by 3% to 10%, with a similar reduction in funded status. Revised tables will be recognized first by plan sponsors’ accountants, and subsequently by the IRS.

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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 $503 billion†† of assets across developed and emerging market equities, fixed income, asset allocation solutions and alternatives.

††In U.S. dollars as of June 30, 2015. Source: Ameriprise Q2 Earnings Release. Includes all assets managed by entities in the Columbia and Threadneedle groups of companies. Contact us for more current data.