Your guide from hire to retire.
For HR leaders, finance professionals and retirement plan committees, sponsoring a 401(k) or 403(b) plan is both a valuable employee benefit and an important fiduciary responsibility. Plan sponsors must ensure that their plan operates in the best interests of participants while maintaining reasonable fees, competitive investments and quality services. […]
For many retirees, Social Security is a foundational source of income—yet most people claim without fully understanding how their timing and strategy can impact lifetime benefits. By learning how different claiming options work, you can make a more informed decision that supports your long-term financial goals. 1. Know Your Full […]
Many participants focus on how to save, but few think about how to withdraw. A thoughtful income strategy in retirement may reduce taxes, provide more flexibility, and increase the longevity of your nest egg. Here are three simple guidelines to keep in mind: 1. Diversify your withdrawal sources Use a […]
Two Simple Tools for Smarter Retirement Planning When it comes to planning for retirement, a few simple rules can make complex concepts easier to understand. Two of the most helpful are the Rule of 72 and the Rule of 55. Both can give you quick insight into how your savings […]
How Inflation Can Affect Retirement Savings and Ways to Mitigate Its Impact Planning for retirement is challenging enough, but one factor often underestimated is inflation, the gradual increase in prices over time. Even modest inflation can erode the purchasing power of your savings, meaning the money you’ve set aside may […]
What is a Collective Investment Trust (CIT)? And How it Differs from a Mutual Fund As a retirement plan sponsor or committee member, you’re probably familiar with mutual funds as the go-to investment option in most 401(k) and 403(b) plans. But you may have also come across Collective Investment Trusts, […]
Roth 401(k): To Contribute or Not to Contribute? A Comprehensive Comparison Top 7 Reasons to Contribute to a Roth 401(k) 1. Tax-Free Withdrawals Contributions grow tax-free, and qualified withdrawals in retirement are tax-free, providing a tax-free income stream. 2. No Required Minimum Distributions (RMDs) Unlike traditional 401(k)s, Roth 401(k)s […]
Simple IRA vs 401(k): Should You Consider Upgrading? As your company evolves, your retirement plan should keep pace. If you’re considering upgrading from a SIMPLE IRA to a 401(k), here are the top five advantages and considerations to keep in mind. Top 5 Advantages of a 401(k) 1. Higher Contribution […]
Staying Ahead: Key Focus Areas for 401(k) Plan Success in 2025 As 2025 begins, 401(k) plan sponsors are entering another dynamic year shaped by fresh regulatory updates, technological advancements, and the evolving expectations of employees. At Rose Street Advisors, our team remains committed to helping you stay ahead, ensuring your […]
Pros & Cons of Loans and Early Withdrawals from Your Retirement Account When faced with financial needs, taking a loan from your employer-sponsored retirement account, such as a 401(k), can seem like a tempting solution. However, it’s important to understand both the advantages and disadvantages, considering both the short-term and […]