Cash Balance Plan Investments includes managing the assets of your cash balance retirement plan to ensure stability and growth while aligning with regulatory requirements. Unlike traditional 401(k) plans, cash balance plans have a pooled investment structure, meaning that all assets are invested collectively rather than by individual participants.
Our team provides guidance on creating an investment strategy that meets the plan’s funding objectives, balancing growth potential with risk management to ensure that the plan remains adequately funded and compliant with IRS guidelines.
We help employers understand the unique aspects of investing for cash balance plans, including interest crediting rates and the importance of achieving consistent returns to meet benefit obligations. By working with professional investment advisors, we help you design a portfolio that supports the plan’s needs, considering factors like liability-driven investing (LDI) and risk mitigation strategies.
With a well-managed investment strategy, your cash balance plan can provide predictable benefits for participants while offering significant tax savings and retirement income security for the business owners and key employees.
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