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ResearchWise
Tools and calculators for employers and participants.
 
  Annuities
Do Annuities Make Sense in a 457(b)?
The low down on annuities inside a 457(b). [403(b)wise]

Variable Annuities: What You Should Know [SEC]
 
Making Sense of Annuities
Detailed information on annuities from Frank Armstrong, president of Investor Solutions, and author of "The Informed Investor." [Frank Armstrong]
 

Books
Common Sense On Mutual Funds: New Imperatives for the Intelligent Investor [John Bogle]
 
The Four Pillars of Investing: Lessons for Building a Winning Portfolio [William J. Bernstein]
 
Nine Steps to Financial Freedom [Suze Orman]
 
The Average Family's Guide to Financial Freedom [Bill and Mary Toohey]
 

Calculators
457(b) Contribution Calculator
Powerful 457(b) calculator that factors in among other things, employer matching, and age 50 catch-up provision. Can accommodate contributions to 403(b), 401(k) and dual contributions to both a 457(b) and a 403(b). [TIAA-CREF]
 
2004 457(b) Contribution Limit Calculation Tools
Calculates total deferral limits — including age-50 and double limit catch-ups — and produces a printable summary that an employee can give to their employer. View as calculator or worksheet. [Fidelity]
 
How Much is That Fund Costing You?
Input fund ticker symbol and account balance to find out fund's total cost. Click "details" to learn historical returns, comparison to benchmarks, and a break down of fund costs including loads and 12b-1 fees, etc. [FOLIOfn]
Find fund ticker symbols here.
 
Inflation Calculator
The CPI inflation calculator uses the average Consumer Price Index for a given calendar year. This data represents changes in prices of all goods and services purchased for consumption by urban households. [EF Moody]
 

Employer
Employers are Paying Closer Attention to 401(k) Fees
Excerpt: "A survey by Deloitte & Touche revealed a disconnect between what employers thought about expenses and what they actually knew." [Dow Jones News Service]
 
403(b) and 457 Side-by-Side Comparison from the IRS (pdf)
Compare features of retirement plans (including 401(k) plans) for tax exempt and government employers. [IRS]

Limit Number of 403(b)/457(b) Vendors Through RFP Process [403(b)wise]
 
The RFP Process [403(b)wise]
 
Selecting Vendors for Your Defined Contribution Plan [Shultz, Collins, Lawson, Chambers, Inc.]
 
Can There Be Too Much Choice in a Retirement Savings Plan? [Vanguard]
 
The Fewer the Better
Streamlining investment choices can improve employee participation and decision making. [HR]
 
403(b) and 457 Fiduciary Liability
Employers take note: plan sponsors must act quickly to properly protect themselves against allegations of fiduciary liability. [403(b)wise]
 
Employee Retirement Income Security Act of 1974(ERISA) [BenefitsAlert]
 

Financial Planner/Advisor Information
8 Things Your Financial Planner Won't Tell You [MSN]
 

IRS Information
403(b) and 457 Side-by-Side Comparison from the IRS (pdf)
Compare features of retirement plans (including 401(k) plans) for tax exempt and government employers. [IRS]

IRS Home Page [irs.gov]
 
IRS 403(b)/457 Online Resource Guide
[irs.gov]

IRS Note: You may direct technical and procedural questions concerning retirement plans to a special IRS toll free number (877) 829-5500. The call center is open 8 a.m. to 6:30 p.m. Eastern Time. You may also email questions.
 

Mutual Funds
Invest Wisely: An Introduction to Mutual Funds [SEC]
 
10 Simple Rules For Fund Investors [Washington Post]
 
Mutual FundAlarm [FundAlarm]
 
Mutual Fund Screener [Money Magazine]
 
Mutual Fund Selector [Morningstar]
 
Willful Ignorance: The Mutual Fund Investor
Most mutual fund investors don't know how much they're paying to have their money managed. What's worse is that they mostly don't care. [MSNBC]
 
How Much is That Fund Costing You?
Input fund ticker symbol and account balance to find out fund's total cost. Click "details" to learn historical returns, comparison to benchmarks, and a break down of fund costs including loads and 12b-1 fees, etc. [FOLIOfn]
Find fund ticker symbols here.
 

Retirement
Retirement Clock Ticking
Top 10 ways to beat the clock and prepare for retirement. [US Department of Labor]

Retirement Storm Clouds
It's not the economy or the stock market, but faulty assumptions that could rain on your retirement. [Money]

Financial Birthdays of Note
As you approach retirement it's time to make a list of the financial birthdays that may be significant to decisions about your retirement plan money. [Fidelity]
 
Do We Have a Retirement Crisis in America?
A summary of the findings on the state of retirement income security in the United States. [TIAA-CREF Institute]
 
Taking Minimum Required Distributions
Includes definition of Minimum Required Distribution (MRD), rules, calculation methods, links to MRD calculators and more. [Fidelity]
 

Social Security Information
2003 Social Security Retirement Earnings Test
Many employers, including educational institutions, take advantage of the expertise of older workers by hiring their own former full-time employees or other retirees on a part-time basis. For retirees this may affect their Social Security benefits.[TIAA-CREF]

Social Security Home Page [Social Security Administration]
 

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