January 2012 Archive

CFTC publishes final business conduct standards rule

January 29, 2012

The Commodity Futures Trading Commission (CFTC) has released its final business conduct standards rule under the Dodd-Frank Wall Street Reform and Consumer Protection Act. The new rule addresses many concerns raised by retirement plan sponsors. Most significantly, under the new rule, generally, where an ERISA plan has an ERISA fiduciary advisor, rules that would have made a swap dealer subject to problematic "advisor" conduct standards would not apply, and the swap dealer would not have to "approve" the plan's advisor. Read More

Plain Talk about Risk -- To the Company

January 29, 2012

By sponsoring a retirement plan, a company may assume a variety of risks in exchange for benefits it hopes to gain for its business, such as a more productive workforce. For purposes of this discussion, a “risk” is the potential that an outcome will be different from its “expected” value and have negative consequences. Differences that might be favorable over the long-term might nevertheless produce short-term adverse consequences. Read More

ReDefined Benefit Plan®

January 11, 2012

Planning for retirement presents a host of risks for employees. Are they saving enough? Are their investments appropriate and efficient? Will they be able to retire when they want and in a manner they desire? Will their retirement assets last for the rest of their lives? Read More

December 2011 Pension Finance Update

January 09, 2012

Mostly due to record low interest rates, pension sponsors endured another difficult year in 2011, with a typical plan suffering declines in funded status of 10% or more. Shorter duration plans and plans with more conservative asset allocations did better, losing just a few percent on the year. Download

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