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Author :
Publisher : DIANE Publishing
ISBN 13 : 9781422320228
Total Pages : 130 pages
Book Rating : 4.3/5 (22 download)
Download or read book Are Hidden 401(k) Fees Undermining Retirement Security?: Congressional Hearing written by and published by DIANE Publishing. This book was released on with total page 130 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Congress. House. Committee on Education and Labor
Publisher :
ISBN 13 :
Total Pages : 68 pages
Book Rating : 4.0/5 ( download)
Download or read book Are hidden 401(k) fees undermining retirement security? written by United States. Congress. House. Committee on Education and Labor and published by . This book was released on 2007 with total page 68 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Matthew D. Hutcheson
Publisher :
ISBN 13 :
Total Pages : 58 pages
Book Rating : 4.:/5 (129 download)
Download or read book Uncovering and Understanding Hidden Fees in Qualified Retirement Plans written by Matthew D. Hutcheson and published by . This book was released on 2008 with total page 58 pages. Available in PDF, EPUB and Kindle. Book excerpt: In the United States, the level of concern over 401(k) fees is steadily increasing. However, very few employers understand the nature and scope of the retirement plan industry's business model. Not even the Federal Government fully grasps the issue. Understanding how hidden fees came about, and recognizing the specific types and amounts of such fees, will help employers make better decisions regarding 401(k) services. That understanding will help create a more secure retirement for American workers.Notwithstanding the obscure nature of retirement plan economics there is a rigorous way to determine the costs of any such plan.Directors, officers, and executives of plan sponsors have a fiduciary duty to know, manage, and control all of the fees assessed to plan assets.Modern fee structures are the result of mingling fiduciary and non-fiduciary philosophies. Hidden and excessive fees can be corrected by embracing an independent fiduciary only approach toward plan management.There is more at stake than is generally contemplated. Correcting errant business practices in the 401(k) industry is important for participants, plan sponsors, and society as a whole.
Author : David B. Loeper
Publisher : BookPros, LLC
ISBN 13 : 1934454109
Total Pages : 226 pages
Book Rating : 4.9/5 (344 download)
Download or read book Stop the 401(k) Rip-off! written by David B. Loeper and published by BookPros, LLC. This book was released on 2007 with total page 226 pages. Available in PDF, EPUB and Kindle. Book excerpt: o How would you spend an extra $4,000 a year for the next twenty-five years?o How much more secure would your retirement be with an extra $100,000 or more?o How much more time could you spend at your family dinner table if you could work an hour less each day?o What would you do in retirement if you could retire three years earlier?Your 401(k) plan is probably one of your most important future sources of financial security. This book makes it easy for you to take the five steps needed to add more than $100,000 to your retirement nest egg without taking more risk or saving more money. This can allow you to improve your lifestyle, increase your benefits, identify the hidden costs and also improve your standing within your company by proactively helping your employer to take needed action.A popular industry speaker and writer, DAVID B. LOEPER is the founder and CEO of Financeware, Inc. in Richmond, VA. He has appeared on CNBC and Bloomberg TV, served on the Investment Advisory Committee of the $30 billion Virginia Retirement System, and was chairman of the Advisory Council for the Investment Management Consultants Association (IMCA). He earned the CIMA? designation (Certified Investment Management Analyst) from Wharton Business School in 1990 in conjunction with IMCA.
Author : Dan Keppel
Publisher : CreateSpace
ISBN 13 : 9781493588961
Total Pages : 210 pages
Book Rating : 4.5/5 (889 download)
Download or read book Robbing You Blind written by Dan Keppel and published by CreateSpace. This book was released on 2013-10 with total page 210 pages. Available in PDF, EPUB and Kindle. Book excerpt: Avoid hidden 401k fees taking 63% of your money.Accumulate $1,000,000 in 35 years.Use a tax-FREE account—NEVER pay income tax.Buy low-cost mutual funds averaging 10-12%.Over time, “that little 2 percent fee will erode 63 percent of what you would have had,” according to John Bogle. Accumulating wealth requires that you avoid high plan and advisor fees, commissions, loads and taxes—the Wealth Killers. If you invest in a 401k, why not earn more? We avoid fees by buying ONLY the financial services we need at a discount. We avoid taxes by using an IRS-approved tax-FREE account. We reinvest ALL our earnings. We accumulate $1 million by leveraging the Miracle of Compounding over time. Tax-FREE low-cost growth can provide more to spend for the rest of our lives. We know that income taxes will increase to pay off two wars, two tax cuts and two bank bailouts. The wealthy stay wealthy by paying lower tax rates than we do. Warren Buffett pays only 17% total tax, Mitt Romney only 14%, and John Kerry only 13%. Most of us pay 32.9%. The wealthy stay wealthy by paying lower fees, charges and commissions. Their fee schedule is 0.01-0.05% not 1.5-3%. They buy only what they need so their costs—commissions, fees, etc. are less. They don't use middlepeople because they know product providers only use their firms' high-cost products. We need to follow Benjamin Graham's advice and buy financial products like we buy “groceries, … not perfume.” We can do that when we have less-biased information to find the best alternatives for us. Most 401k plans hide their high fees from us. I help you decide which products are best for you; not the sellers. Your edge is the miracle of compounding inside a Tax-FREE not just -Deferred plan.
Author : United States Senate
Publisher :
ISBN 13 : 9781701922006
Total Pages : 222 pages
Book Rating : 4.9/5 (22 download)
Download or read book Hidden 401(k) Fees written by United States Senate and published by . This book was released on 2019-10-23 with total page 222 pages. Available in PDF, EPUB and Kindle. Book excerpt: Hidden 401(k) fees: how disclosure can increase retirement security
Author : United States House of Representatives
Publisher :
ISBN 13 : 9781711789316
Total Pages : 66 pages
Book Rating : 4.7/5 (893 download)
Download or read book Are Hidden 401(k) Fees Undermining Retirement Security? written by United States House of Representatives and published by . This book was released on 2019-11-29 with total page 66 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are hidden 401(k) fees undermining retirement security?: hearing before the Committee on Education and Labor, U.S. House of Representatives, One Hundred Tenth Congress, first session, hearing held in Washington, DC, March 6, 2007.
Author :
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (14 download)
Download or read book Hidden 401(K) Fees written by and published by . This book was released on 2008 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Matthew D. Hutcheson
Publisher :
ISBN 13 :
Total Pages : 23 pages
Book Rating : 4.:/5 (129 download)
Download or read book Congressional Testimony on Hidden Fees in 401(K) Plans written by Matthew D. Hutcheson and published by . This book was released on 2008 with total page 23 pages. Available in PDF, EPUB and Kindle. Book excerpt: Very few matters of social importance are more complex than the one before you today. This particular issue is not only about uncovering obscure dollars unscrupulously extracted from the account balances of America's workforce, but it is also about correcting the culture that has permitted the problem to thrive in the first place. This written testimony will explain what the culture is, why it exists, how it has evolved over time, how it violates basic economic principles, the integrity of rules of fiduciary prudence, the exclusive benefit rule under ERISA, and other common sense practices that are critical for delivery of expected results from employer defined contribution retirement plans.
Author : United States Congress Senate Special Co
Publisher :
ISBN 13 : 9781297011870
Total Pages : 224 pages
Book Rating : 4.0/5 (118 download)
Download or read book Hidden 401(k) Fees written by United States Congress Senate Special Co and published by . This book was released on 2015-02-14 with total page 224 pages. Available in PDF, EPUB and Kindle. Book excerpt: This work has been selected by scholars as being culturally important, and is part of the knowledge base of civilization as we know it. This work was reproduced from the original artifact, and remains as true to the original work as possible. Therefore, you will see the original copyright references, library stamps (as most of these works have been housed in our most important libraries around the world), and other notations in the work. This work is in the public domain in the United States of America, and possibly other nations. Within the United States, you may freely copy and distribute this work, as no entity (individual or corporate) has a copyright on the body of the work.As a reproduction of a historical artifact, this work may contain missing or blurred pages, poor pictures, errant marks, etc. Scholars believe, and we concur, that this work is important enough to be preserved, reproduced, and made generally available to the public. We appreciate your support of the preservation process, and thank you for being an important part of keeping this knowledge alive and relevant.
Author : United States. Congress. House. Committee on Education and the Workforce
Publisher :
ISBN 13 :
Total Pages : pages
Book Rating : 4.:/5 (156 download)
Download or read book Are Hidden 401(K) Fees Undermining Retirement Security? Serial No. 110-7, March 6, 2007, 110-1 Hearing, * written by United States. Congress. House. Committee on Education and the Workforce and published by . This book was released on 2007* with total page pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : United States. Congress. House. Committee on Education and Labor
Publisher :
ISBN 13 :
Total Pages : 61 pages
Book Rating : 4.:/5 (111 download)
Download or read book Are Hidden 401(k) Fees Undermining Retirement Security? written by United States. Congress. House. Committee on Education and Labor and published by . This book was released on 2007 with total page 61 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Elizabeth Piper/Bach
Publisher :
ISBN 13 :
Total Pages : 14 pages
Book Rating : 4.:/5 (13 download)
Download or read book Hidden Fees as a Source of Fiduciary Risk in Defined Contribution Plans written by Elizabeth Piper/Bach and published by . This book was released on 2015 with total page 14 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Employment Retirement Income Security Act (ERISA) requires various disclosures be made to pension plan participants. These disclosures are required to ensure that plan participants are able to make informed decisions regarding their investment choices, for the plan to remain a tax-qualified plan under the Internal Revenue Code (IRC), and to provide fiduciary protection. The intricacies of the fees require plan sponsors to be particularly diligent that they understand the fees and are able to clearly disclose them in a manner that allows participants to make appropriate choices. This paper will examine fiduciary and disclosure rules as they apply to IRC 401(k) plans to determine if such rules are able to provide full fee transparency.
Author : United States. Congress. Senate. Special Committee on Aging
Publisher :
ISBN 13 :
Total Pages : 0 pages
Book Rating : 4.:/5 (2 download)
Download or read book Hidden 401(k) Fees written by United States. Congress. Senate. Special Committee on Aging and published by . This book was released on 2008 with total page 0 pages. Available in PDF, EPUB and Kindle. Book excerpt:
Author : Pamela Yellen
Publisher : Vanguard
ISBN 13 : 0786745347
Total Pages : 258 pages
Book Rating : 4.7/5 (867 download)
Download or read book Bank On Yourself written by Pamela Yellen and published by Vanguard. This book was released on 2010-03-23 with total page 258 pages. Available in PDF, EPUB and Kindle. Book excerpt: The Wall Street Journal, USA Today, and BusinessWeek bestseller Bank On Yourself: The Life-Changing Secret to Growing and Protecting Your Financial Future reveals the secrets to taking back control of your financial future that Wall Street, banks, and credit card companies don’t want you to know. Can you imagine what it would be like to look forward to opening your account statements because they always have good news and never any ugly surprises? More than 100,000 Americans of all ages, incomes, and backgrounds are already using Bank On Yourself to grow a nest-egg they can predict and count on, even when stocks, real estate, and other investments tumble. You’ll meet some of them and hear their stories of how Bank On Yourself has helped them reach a wide variety of short- and longterm personal and financial goals and dreams in this book.
Author : Joshua P. Itzoe
Publisher : Hillcrest Publishing Group
ISBN 13 : 1934937177
Total Pages : 174 pages
Book Rating : 4.9/5 (349 download)
Download or read book Fixing the 401(k) written by Joshua P. Itzoe and published by Hillcrest Publishing Group. This book was released on 2008 with total page 174 pages. Available in PDF, EPUB and Kindle. Book excerpt: Are you a retirement plan fiduciary but unsure of what's required of you? Does it scare you to be held personally liable for bad decisions? Do you have a sneaking suspicion that your plan is paying too much in fees but you're not sure how to find out? Are you worried that your employees won't be able to retire? If the answer to any of these questions is "Yes," this book is for you. "Josh Itzoe has a remarkable capacity for seeing through the maze of regulations surrounding qualified plans to the handful of core ideals by which successful plans must operate. This is a great, understandable guide for plan sponsors." -Pete Swisher, CFP, CPC, Vice President and Senior Institutional Consultant, Unified Trust Company, N.A. and author of "401 (k) Fiduciary Governance: An Advisor's Guide" "Fixing the 401(k) is a bold and excellent work. Josh Itzoe reminds us that excellence is desperately needed within our private retirement system. By following the solid principles shared in this book, Itzoe reveals how any employer, large or small, can build and operate an excellent 401(k). The 401(k) is the mechanism that over fifty million people will rely upon to help their retirement dreams become a reality. This book is the starting point for employers who want to understand how to make their 401(k) truly excellent and help secure the common good of society." -Matthew D. Hutcheson, Congressional Expert and Independent Pension Fiduciary
Author : Mark Dempsey
Publisher :
ISBN 13 : 9780688170349
Total Pages : 300 pages
Book Rating : 4.1/5 (73 download)
Download or read book Robbing You Blind written by Mark Dempsey and published by . This book was released on 2000 with total page 300 pages. Available in PDF, EPUB and Kindle. Book excerpt: A former stockbroker describes how average investors with moderate amounts of money are treated like second-class citizens by investment firms, while wealthy investors are given discounts, privileges, and opportunities to invest in the most lucrative arrangements. He then offers concrete tips and strategies for everything from shopping for an advisor to selecting investments. Annotation copyrighted by Book News, Inc., Portland, OR
