Beyond Bulls & Bears

Many Americans Unprepared for the Cost of Health Care in Retirement
Education

Many Americans Unprepared for the Cost of Health Care in Retirement

The rising cost of health care has been a political hot button issue for years, and Franklin Templeton’s 2019 “Retirement Income Strategies and Expectations (RISE)” survey revealed it remains a top concern today. Franklin Templeton Defined Contribution Head of Strategic Accounts Kevin Murphy and Michael Doshier, vice president, Retirement Marketing, offer some highlights from the survey and stress the importance of saving enough to meet future health care needs in retirement.

Change is Coming to the Retirement Landscape
Education

Change is Coming to the Retirement Landscape

In recent months, there has been heightened activity in Washington DC in the area of retirement policy, with plans and proposals that could meaningfully alter the landscape. Drew Carrington, head of Institutional Defined Contribution at Franklin Templeton Investments, and Michael Doshier, vice president, Retirement Marketing, discuss the latest legislative developments and ideas.

Can You Retire Your Retirement Risk?
Education

Can You Retire Your Retirement Risk?

Many (if not most) people think about retirement in terms of saving for the day they leave the workforce and won’t be collecting a paycheck any longer. The prospect of outliving one’s savings is therefore a top source of stress, along with being able to pay escalating health care costs. Perhaps more individuals should plot a strategy to generate income in retirement, says Michael Doshier, vice president, retirement marketing at Franklin Templeton Investments. And no, he doesn’t mean spending your senior years flipping burgers or bagging groceries.

Implications of DOL Fiduciary Rule Decisions and RESA Legislation
Education

Implications of DOL Fiduciary Rule Decisions and RESA Legislation

Some new developments in Washington and recent court rulings have implications for those saving and investing for retirement. Drew Carrington, head of Institutional Defined Contribution at Franklin Templeton Investments along with Michael Doshier, head of retirement marketing, examine the status of The Retirement Enhancement and Savings Act (RESA) and what it might mean for both plan sponsors and participants, and recap the latest court rulings impacting the Department of Labor’s Fiduciary Rule.

DOL Fiduciary Rule Still in Limbo After Latest Court Ruling
Education

DOL Fiduciary Rule Still in Limbo After Latest Court Ruling

"Recent court activity appears to be creating more uncertainty around the future of the [DOL Fiduciary] rule than ever. Most financial institutions have adjusted business practices to mitigate litigation risk and moved to a model in which they are in compliance, so it would be far from simple to unravel what’s already been done.” - Dan O’Lear, Yaqub Ahmed, Drew Carrington and Michael Doshier

US Tax Reform: This May Not Be the End
Perspectives

US Tax Reform: This May Not Be the End

“As we have seen during prior tax reform efforts throughout US history, there are likely to be some impacts of this tax plan that legislators could not predict. And, there are likely to be some unintended consequences or even errors in the legislation that require correction. So, it would not surprise us to see a 'technical corrections' bill next year or beyond to clarify and fix certain issues.” - Pierre Caramazza and Michael Doshier

US Tax Reform: What Investors Need to Know
Education

US Tax Reform: What Investors Need to Know

Wondering how the latest tax reform bills may impact you? Our Pierre Caramazza and Michael Doshier break down some key aspects of bills from an investment standpoint and highlight some substantial differences between the House and Senate versions.

Tax Reform and the Possible Impact on Retirement
Education

Tax Reform and the Possible Impact on Retirement

US tax reform looks to impact many areas of our lives, and one of these could be the way Americans save and invest for retirement. As we wait for Congress to refine and vote on the latest tax proposals, Drew Carrington, head of Institutional Defined Contribution at Franklin Templeton Investments, breaks down how lawmakers might target retirement dollars for tax revenue. And, he outlines potential changes to our current retirement system that he believes might not be in the best interests of all future retirees.

Short-Term Fears Seem to Affect Millennial Investors in Particular
Alternatives

Short-Term Fears Seem to Affect Millennial Investors in Particular

Many investors who lived through the Global Financial Crisis of 2007-2009 still might bear some scars, according to Franklin Templeton’s annual Retirement Income Strategies and Expectations (RISE) survey. Michael Doshier, vice president, retirement marketing, offers highlights from the survey and examines how reactions to severe market shocks may impede us from reaching our long-term investment goals.

The Retirement Disconnect
Education

The Retirement Disconnect

Conducted in three countries, Franklin Templeton Investments’ annual Retirement Income Strategies and Expectations (RISE) survey explores ...

RISE Survey Reveals Some Somber Retirement Realities

RISE Survey Reveals Some Somber Retirement Realities