Thoughts from the Ledge

This series is going to focus on 401k from the employer's side and on the employee side: what to look for, what to stay away from, and how to cut your expenses and add value to a benefit that all employees are looking for.

In this episode, we're going to deconstruct a 401k plan and answer some of the questions on what is really needed to manage the plan efficiently and effectively. 

Episode 2 of our Retirement series focuses on the employer's ability to save time and money.  401(k) plans usually come bundled, in this episode we explore the opportunity to "unbundle" your plan and help you understand the services your Recordkeeper, TPA and Advisor offer. 

In Episode 11 we focus on CTMA’s Retirement Asset Management Program (RAMP) and the reallocations to the 2020 custom portfolios.  We interview Chris Abely and discuss the methodology used in reallocating and or removing different sectors or investments in the portfolios.  The podcast also has a refresher on the rational and composition of each Model (Conservative, Balanced, Growth and Aggressive) and how a participant can decide which model is right for them.

Visit our website to find out more about CTMA.

This series is going to focus on 401k plans from the employer's side and on the employee side: what to look for, what to stay away from, and how to cut your expenses and add value to a benefit that all employees are looking for.

Episode three will focus on investment selection, be it Self-Directed. Target date, our Custom Built Model portfolio (the RAMP, Retirement Asset Management Platform), rebalancing, and the value rebalancing brings on a volatile market like we're faced with right now.

This episode will focus in on more than the employee aspect of the 401k. We're going to talk about how we build portfolios and why, the advantages of dollar cost averaging   and talk about the overall construction of the portfolios as it relates to the different sectors that we will be investing in for them through the ramp program, which is our retirement asset management platform. 

In this episode we look at why inflation is so low and how our economy has changed to a supply side driven economy vs. a demand driven economy.

Episode 5 looks at Price to Earnings (PE) Ratios, what does it mean, how is it measured and what PE ratios in this market mean to investors and the impact of lower interest rates.

Visit our website to learn more about CTMA. 

In this episode we talk about volatility (market risk) and how to cope with it as an investor. Assets are priced at all-time highs along with PE ratios meaning there is more volatility in the market and risky assets reprice rapidly!

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In Episode 3 we discuss the amount of debt in the United States (U.S. Deficit, Student Loan debt and Corporate Debt) and some of the impacts the current market cycle will have on our ability to pay it back.

In this episode, Chris Abely talks about the direction of U.S. Interest Rates and how to combat the effects of declining rates.