Life-cycle investing is an investment concept that has gained popularity in the United States and United Kingdom. In the US, life-cycle portfolios are the fastest-growing type of retirement or pension fund for employees.
In this article, Norman Wu, senior director of UOB Asset Management, explores the concept of life-cycle investing in the context of financial planning.
Life-cycle funds are generally balanced portfolios where the asset allocation is adjusted automatically between global equities and global bonds to suit an investor’s life stage. Compared to global bonds, global equities generally yield higher returns …

BOSTON — The federal government wants your opinion about your retirement plan. yes, the Labor and the Treasury departments want to know whether you think requiring employers to offer lifetime annuities as a rollover option to retiring workers is a good idea.
Typically, you get to do one of three things with your 401(k) when you leave your employer. you can roll your money into an IRA, leave it behind at your employer or transfer it to your new employer’s plan.
Most folks roll their 401(k) into an IRA and invest the …

When Husby and I got married, I had a good little “nest egg” (I hate that term, I really do) thanks to my grandparents and parents and the savings account they started for me when I was a wee one. As a child, it wasn’t that fun to hear “we put $50 in your savings account” from anyone because I would rather have had plastic high heels and little tiaras to prance around in. but when I stepped into the “real world” with my Husby on my arm and no …

Cutting the management and investment fees charged by your retirement funds can add a lot of money to your nest egg without sacrificing any of your investment goals. This work will take you an hour or two at most and could add thousands of dollars to your retirement savings. seem like a good investment?
You may have an active 401(k) retirement plan with an employer. or perhaps you’ve rolled over such a plan into an IRA or other self-directed retirement account. the odds are good that most, if not all, of …

ATLANTA, Jan. 4 /PRNewswire/ — Two recent trends – the growing importance of 401(k)s in retirement planning and the volatile nature of the stock market – make it more important than ever for people to be vigilant about their 401(k) account. Unfortunately, for many people, the trends are having the opposite effect.
Unsure about what to do about their shrinking nest egg, many people are simply leaving their quarterly statements unopened. When employees do make changes, research confirms that they often buy at the top, and sell at the bottom, based …