Loan administration in 401(k) plans

Article Abstract:

The number of companies that are sponsoring 401(k) plans grew in the 1980s because of tax incentives to convert employee savings and thrifts into 401(k) plans. The growth of employee contributions to 401(k) plans in turn increased the burden on companies to administer more and more 401(k) loans. The rules, basic administrative tasks, complicating factors and suggestions for handling 401(k) loan administration are presented.

Employee benefits, Salary reduction savings plans, 401K plans, Employee loans

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Conservative pension investment: how much difference does it make?

Article Abstract:

Pension plan participants' excessively conservative pension investment could impact their retirement income security. A representative worker's lifetime earnings are used to forecast retirement income under two different pension investment scenarios to assess the impact of investment risk on retirement income. The simulations indicate that low-risk investors are likely to have significantly lower retirement incomes.

Analysis, Investments, Risk (Economics)

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