The goal of the Alliance is to represent those investing for their retirement and to advance constructive solutions to address the American retirement crisis.
Joined December 2023
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Teachers, entrepreneurs, and nonprofit workers all have different retirement rules. Reforms like the Retirement Investment Choice Act and Retirement Fairness for Charities and Educational Institutions Act could help change that.
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A teacher's pension may invest in private equity and real estate. A Fortune 500 employee's 401(k) often cannot. Part of the fix: updating a 1977 rule called PTE 77-4, which governs how plans can invest in affiliated funds, to cover a broader range of vehicles - not just mutual funds. @USDOL is working on it. Your retirement options shouldn't depend on where you work. zurl.co/7X3OI
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Your retirement security shouldn’t depend on where you work. But for millions of Americans, it does.
New proposals on the table in Washington would expand investment choices across 401(k)s, 403(b)s, and IRAs – giving every saver a fairer shot at a secure retirement.
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The rules governing retirement plans haven't kept up with the marketplace. @USDOL is reviewing PTE 77-4 - an outdated 1977 exemption that currently only covers mutual funds - to expand it to a broader range of investment vehicles, including those with exposure to alternatives like private equity and real estate. Every worker deserves the same options regardless of where they work or try to save. zurl.co/bebPi
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When retirees rely on market timing, a sudden downturn can stretch their savings thin. Reforms like automatic enrollment, improved portability, and expanded access to predictable income solutions pave the way for a more secure retirement. zurl.co/3fsmV
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Market volatility hits harder in retirement. Guaranteed income sources – pensions, annuities, and target-date funds – shield retirees from uncertainty. These "lifetime paychecks" mean less risk and more peace of mind. zurl.co/cvYlO
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Oklahoma's Energy Discrimination Elimination Act drove up borrowing costs by $164M before the state Supreme Court struck it down. APSR President Tim Hill on why this ruling matters nationally. zurl.co/PCIzY
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Pensions are retirement income, not policy experiments. APSR president Tim Hill on how a recent Oklahoma Supreme Court ruling sends a clear message to states using pensions for political agendas: put retirees first. zurl.co/EQkbr
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Lack of personal finance knowledge costs the average adult almost $1,000/year. Investing in financial literacy can change that trajectory.
Mississippi is leading the way, teaching students the habits they need to build lifelong financial security.
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Financial literacy goes hand in hand with retirement security. More on how personal finance education for grades 6–12 – coupled with $1M in private funding – is laying the groundwork for Mississippians to retire with dignity. zurl.co/Gpr0u
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From expanding automatic re-enrollment to fixing a securities law gap that has left 403(b) savers stuck with higher-cost investments, the ideas being floated for SECURE 3.0 could strengthen retirement security for millions of workers. A package could come together as soon as 2027. zurl.co/nGjP9
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This investment in Texas’ skilled trades workforce shows career pathways and retirement readiness go hand in hand. $30M will train 12,000 Texans for high-paying electrical careers while teaching financial habits for long-term security and generational wealth. zurl.co/OFzpr
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The next major retirement reform package is starting to take shape on Capitol Hill, with three priorities emerging at the top of the agenda: expanding coverage, simplifying the system, and helping workers save more effectively.
More on what could be in SECURE 3.0. zurl.co/JVgrK
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Retirees don't have a spending problem -- they have a confidence problem. Research shows retirees with guaranteed lifetime income spend more freely & worry less, even with the same savings. The psychological shift matters as much as the financial one. zurl.co/f0RES
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Adding guaranteed lifetime income to a 401(k) raises retirees' spending power by 22% with no increase in contributions. The problem isn't just how much Americans save. It's that the system gives no roadmap for spending it. Lifetime income changes that. zurl.co/33G6h
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Public pension funds exist for one reason: to deliver the strongest possible returns to retirees. When political agendas drive investment decisions, it's firefighters, police officers, & teachers paying the price. Retired NYPD Deputy Chief Timothy Bugge reminds us pension promises must be kept. zurl.co/tySo4
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Retired NYPD Deputy Chief is sounding the alarm: political interference in pension investing threatens the retirement security of public workers. Whether it's climate mandates in NY or fossil fuel requirements in TX, the result is the same: retirees lose. zurl.co/MNfWu
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Pension funds across the country are increasingly caught in political crossfire - and retirees pay the price. New York's AB 10882 is the latest example. Restricting professional investment managers threatens the very retirement security it claims to protect. zurl.co/CX1tS
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NY Assembly Bill 10882 would bar the Police & Fire Retirement System from using external investment managers. Framed as a cost-saving measure — it's really politics dressed up as policy, threatening the retirement security of 750,000 city workers. zurl.co/W2uwv
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Pension funds are lifelines — not leverage. A retired NYPD deputy chief is sounding the alarm in the @WashTimes when politics drives investment decisions, retirees pay the price. zurl.co/Na24I
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