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Investment & Pensions International, Inc.

(203) 324-5438

PENSION PLANS


Pension Fund Consulting Services

After the recent crash in stock markets, many investors and plan sponsors need assistance in resurrecting their retirement portfolios. We have a structured approach to investing in the current economic environment, and we cater to the individual requirements of each client. We help rebuild the long-term profitability of our clients' retirement portfolios.

We provide advice on Retirement and Pension Plans, Strategic Asset Allocation, International Investing and Alternative Investments, etc., mainly to smaller businesses and high net worth individuals, and also help them find suitable money managers or pooled funds.

I.P.I. provides the following consulting services to pension plans:

- Review investment policy in a tax-free environment.
- Matching assets and liabilities.
- Fixed income investing. Controlling interest rate risk.
- Provide economic overview of global markets and currencies
- Equity growth, value, small-cap style management.
- Asset allocation and efficient portfolios.
- International Investing.
- Financial modeling and Monte Carlo simulations.
- Enhanced indexing, also using equity swaps.
- Analyze management and trading costs of portfolio investing.
- Select and monitor external money managers.
- Research, analyze and select individual securities.
- Mutual funds, hedge funds and separate accounts.
- Performance measurement on a total return (AIMR) basis.
- Benchmark indexing for performance evaluation.
- Accounting considerations, valuation and regulatory issues.


Types of pension plans: Defined benefit, defined contribution, profit sharing, age-weighted, 401(k), SEP, 412(i), IRA, Roth, 403(b), 457, deferred compensation, etc.

Pension Fund Research Services

I.P.I. provides research services to pension plan sponsors on any of the following subjects:

Investment Policy and Strategy, Actuarial Valuations, Asset & Liability Management, Funding Policy, Pension Plan Management, Portfolio Management, Strategic Asset Allocation, Tactical Asset Allocation, Cash Management, Security Analysis and Selection, Manager Selection and Monitoring, Capital Markets, Global Fixed Income, TIPS, Global Equities, Alternative Investments, Emerging Markets, Mutual and Hedge Funds, Mortgage Backed Securities, Real Estate, REITs, Venture Capital, Private Equity, Financial Derivatives, Structured Securities, Immunization, Dedication, Currency Hedging, Enhanced Indexing, Risk Management, Risk/Return Analysis, Passive Investing & Indexing, Fiduciary Review, Trading Cost Analysis, Portfolio Benchmarking, AIMR-Performance Evaluation, Attribution Analysis, Peer Group Analysis, GIPS, Specialized Investment Software, Variable Annuities, Equity Indexed Annuities, Cash Balance Plans, Economic Value Added Analysis, Value at Risk, Risk-Adjusted Net Value Added, Compliance, Financial Reporting, etc.

Solo 401(k) and Defined Benefit Retirement Plans
for the Self-employed.

The 2001 tax law encouraged savings for retirement by small businesses and self-employed persons.  It has since been possible to set up a Solo 401(k) for one person only, provided he or she has earnings from self-employment.  You or your spouse is eligible for this plan whether your self-employment income is from full-time or part-time work – or even from occasional compensation as a consultant, member of a company board of directors, or selling something. 

Retirement contributions grow tax-deferred so that there is more money available when you retire.  On retirement, you have a range of options available, including moving the money to an IRA rollover account, where it can keep growing tax-deferred.

A defined benefit plan for one or more persons would enable you to contribute more than a Solo 401(k), and thereby save more in taxes. A defined benefit plan enables you to possibly cut your taxes by $40,000 or more each year.  A participant is able to contribute $100,000 or more a year.  He or she has some flexibility in deciding how much money to contribute as long as it is within the maximum allowed.

 You may not have to reduce your standard of living to fund these plans. Since contributions save income taxes on your earnings, you can transfer some of your currently taxable investments to these plans and thus reduce current and future taxation.

The next section on “Individuals” suggests new generations of investments for individual plans, which guarantee the capital invested, while retaining most of the upside potential of the stock market.

Any new individual plan has to be in place by the end of your tax year, normally on December 31, although contributions need not be made immediately.

401(k) & 403(b) Plans

Improve Your Retirement Benefits by Using 90-24 Transfers

Are your employees dissatisfied with the investments in your 401(k) or 403(b)plans?  Would you like more investment choices?  Additional benefits?  If so, you should consider 90-24 transfers.

In 1990 the IRS issued Revenue Ruling 90-24, which permitted the tax-free transfer of assets from one 403(b) account to another 403(b) account without having to retire or change jobs.

A 90-24 transfer might help you improve your retirement strategy by giving you access to new features for your retirement plan.  These include capital and income guarantees, death benefit options and greater diversification opportunities.  If you are eligible to utilize a 90-24 transfer, you may have more benefits than you think in your retirement plan.

We focus on explaining the risks and rewards of 90-24 transfers to teachers and employees.   We organize group presentations, provide explanatory handouts and answer questions.  While discussing the global investment environment and different investment vehicles, we specifically compare fixed indexed products and annuities offered by major insurance companies.  These modern, lower-cost products can provide good returns with guarantees, lifetime income with liquidity, and act as a hedge against inflation.

With people living longer than ever and current predictions showing that Social Security won't be enough to fund our retirement, the need for comprehensive retirement planning is more important than ever.  If you have an interest in learning more about 90-24 transfer possibilities, please contact us.  Our initial meeting is free of cost or obligation.