Fashionable investment approaches will come and go, but investors should remember that a long-term, disciplined investment approach based on robust research and implementation may be the most reliable path to success in the global capital markets.
Investors may be tempted to extrapolate recent returns into the future, which can lead them to abandon their investment philosophy at potentially inopportune times. While negative outcomes are disappointing, investors should view them with the proper perspective and stay the course.
Quarterly performance of the global equity and fixed income markets.
As 2019 approaches, and with US stocks outperforming non-US stocks in recent years, some investors have again turned their attention towards the role that global diversification plays in their portfolios.
DC Dimensions, a national investment publication, featured Two West in their Winter 2018 magazine as their cover story titled “Focusing on Income for Better Outcomes.” This fascinating and informative look into Two West’s approach to retirement income solutions showcases the next step beyond defined contribution (DC) plans. By offering both custom an “off-the-shelf” retirement income solutions, Two West is hailed as an innovative advisor that is quietly setting the standard in this arena.
As many of you have heard by now, the Department of Labor has recently passed down new rulings surrounding fiduciary standards that will affect most employers and their retirement plan providers. For the most part, this ruling ensures those in charge of a retirement plan have to act solely in the interest of plan participants and their beneficiaries.
While this is no big change for us (because we’ve held ourselves to a fiduciary standard from the beginning), the new rulings may increase the risk and liability you as employers hold over the decisions you make surrounding your retirement plan. These new rulings are largely increasing the standards our industry is held to (a good thing), but it can mean some extra paperwork (and extra headaches) for those who oversee company retirement plans. (more…)
You know that old philosophy all college students seem to live by: Work hard, play hard? Well, we’re big fans of that philosophy. But we also think there should be plenty of emphasis on the “play hard” part because playing hard can be a great way to learn about the ins and outs of saving for retirement.
See, because everyone loves a good game (trust me, I’m the ruler of family game night), we and others in our industry have figured out a few good ways to use games to promote learning about financial outcomes. This should come as no surprise because plenty of people in the social sector use games to teach others. Whether it’s teachers using games to teach advanced concepts or nonprofits using games to promote awareness of the challenges and problems they face.
Let’s talk fun and games in social sector retirement. read more…
For many of the colleges and universities we work with, it's a bittersweet time of the year. On one hand, the last finals are getting graded and final papers are being turned in. Class is coming to a close which means no more lectures, no more homework, no more grading and office hours. On the other hand, it's always a little tough to say bye to the students you've watched learn and grow under your tutelage for the past semester or longer.
One of the reasons I've always genuinely loved working with the social sector is the people. Warm and friendly do-gooders working to make a difference in the world—that's always a group I can have a great time with.
Unfortunately, I've noticed not a whole lot of other people have much love for the social sector, especially not the people writing about retirement planning. Pretty much every article I read out there focuses on the private sector without so much of a mention of a 403(b) or other social sector retirement options. So, now I'm on a mission to right that particular wrong.