Is your investment education program designed to be all things to all people?

Article Abstract:

Investment education programs need to meet the needs of all employees in an organization. Spenders do not join savings plans at all or participate at a very low level. Savers participate in savings plans, but are not aggressive investors.Investors know their investment choices, and make good investment decisions. Planners are serious about retirement planning and want to become knowledgeable about savings plans. Employers need to implement efficient employee investment education programs to better address all four categories of employees' retirement planning needs.

Investments

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Supplemental employee retirement plans: what they are and how they should be used

Article Abstract:

Supplemental employee retirement plans (SERP) are useful tools for countering the $150,000 cap on pensionable earnings. However, such plans must be carefully designed and regulated to avoid compliance problems. Among the issues to be considered in SERP design are the type of benefit to be protected, determination if the benefit is a plan, determination if plan participants are 'top-hat' employees, determination if funding will be provided for top-hat plans and determination of funding goals.

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Retiree health care benefits: strategies for a changing workforce

Article Abstract:

Demographic and social changes necessitate that employers respond to changes in Medicare and other government initiatives through some sort of initiative. The long term nature of the government mandates, however, give employers flexibility over their respective plans and employers not having any money to spare in the short-term, can push for initiatives initially informing employees of the changes.

Social policy, Employers

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