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WHO GETS WORK RETIREMENT PLANS? - From ICI: Most workers who are likely to have the ability to save and to be focused primarily on saving for retirement have access to an employer-provided retirement plan, according to a new study by the Investment Company Institute. The study, Who Gets Retirement Plans and Why, takes a detailed look at the demographic and workforce factors that help determine whether an employer is likely to offer, and workers are likely to seek, deferred compensation in the form of retirement benefits to replace some cash compensation. Policymakers seeking to expand retirement plan coverage tend to focus on barriers that make plans more expensive for smaller employers. Although costs may play a role, the study finds that the likelihood that an employer...
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FED FORECLOSURE RESOURCES - From Federal Reserve: The Federal Reserve has several resources for consumers and small municipalities, housing counselors, and consumer and community groups in need of assistance regarding mortgage foreclosure. The Fed has established Foreclosure Resource Centers to help address local and regional challenges in their mortgage markets and local communities and a map of these resources can be found at the Mortgage Foreclosure Resources page of the Fed Web site. Resources from several agencies and organizations providing information that may be of use to consumers in distress are found at the Fed's special Web page ....
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INVESTING IN UNCERTAIN TIMES - From CFA Institute: In the wake of recent market turbulence and firm failures, CFA Institute, the global association for investment professionals, today issued five facts investors should know when making investment decisions. One key tip: Investing in a diversified portfolio of securities rather than individual stocks mitigates risk. Investing in only a few individual stocks increases risk for which an investor is not rewarded compared to investing in a diversified mutual fund or index fund. Investors should incorporate different asset classes and investment styles in their portfolio that do not tend to move together so that market swings in one part of their portfolio are offset in another part...
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NEW IRA RESEARCH PROJECT - From ICI and SIFMA: The Investment Company Institute and the Securities Industry and Financial Markets Association are launching a new research project to improve understanding of investors' use of Individual Retirement Accounts - the largest pool of retirement assets held by Americans-using a new collection of account and demographic data. The two associations will use the database, the first of its kind, to produce a major research report annually, beginning in 2009. IRAs are growing rapidly, fueled by assets "rolled over" from employer-sponsored retirement savings accounts, including 401(k) and similar plans. From 2002 to 2007, ...
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PONZI SCHEME ALERTS - From NASAA: The newest podcast in The Alert Investor series warns about Ponzi schemes, one of the oldest scams on record.  A Ponzi scheme works like this:  The criminal promises big returns from bogus investments and pays the initial investors with money collected from new investors.  With money in hand, the investment may seem legitimate but investors don't know they're being paid inflated returns off the borrowed money from the new investors.  The scam relies on a constant recruitment of new investors to keep it going but when that well runs dry the scheme collapses like a house of cards, leaving investors holding the bag. The Alert Investor, a series of podcasts produced by NASAA to provide investors with investor protection...
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INVESTOR ALERT: MONEY MARKET FUNDS GUARANTEE - The Financial Industry Regulatory Authority (FINRA) wants to make sure the investing public understands the U.S. Treasury Department's Temporary Guarantee Program for Money Market Funds. The Treasury Department's program, which opened Sept. 29, protects money held in participating money market funds as of Sept. 19 if those money market funds "break the buck." A money market fund breaks the buck when its net asset value (NAV) falls below $1.00 per share. Investors cannot sign up for the guarantee program on their own   ...
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PREYING ON MARKET FEARS - The North American Securities Administrators Association (NASAA) cautioned Main Street investors against making sudden and uninformed decisions amid the ongoing market volatility and unprecedented turmoil on Wall Street.  "We know from past experience that con artists follow the headlines to prey on the worries and fears of everyday investors," said NASAA President and Colorado Securities Commissioner Fred Joseph. "With the current economic situation, state securities regulators are concerned that scammers are gearing up to promote various investment schemes with promises of big returns. If history is any guide, these investments will be worth less than the paper on which they are printed." NASAA also offered several tips for investors ...
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SCAM WARNING FOR IKE VICTIMS - While natural disasters elicit financial donations and support from people across the country it also, unfortunately, creates an opportunity for con artists - those who may try to swindle you out of your money or scam you by offering fraudulent services. Do not give out your personal information or money to anyone without proper identification or proof they can do what they say they can. If someone approaches you and cannot provide appropriate identification, go to a disaster assistance site and ask for help. TomorrowsMoney.org recommends that you get copies of all financial transactions and commitments in writing and keep a small notebook to write down the names and contact information of people with whom you speak during this critical time of recovery and rebuilding ...
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INVESTOR ED ON YOUR IPOD - The Financial Industry Regulatory Authority (FINRA) today launched a new series of Investor Podcasts that provides unbiased information on a variety of financial issues in an easily accessible format. The podcasts are available on FINRA's Web site and on iTunes.  New podcasts will be added to the series every month to provide investors with topical and timely investment information. The first three installments of the podcast series are now online ...
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NEW LEADERS AT AIE - Dallas Salisbury is the new president of the Alliance for Investor Education (AIE), a nonprofit consortium of 19 leading U.S. organizations involved in investor education.  The other newly elected AIE officers are: Joy Howell, vice president; John Gannon, secretary; and Gloria Talamas, treasurer. Salisbury also serves as the president and CEO of the Employee Benefit Research Institute (EBRI) and chairman of the American Savings Education Council (ASEC)   ...
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