Save It For Later
The Setting Every Community Up for Retirement Enhancement (SECURE) 2.0 Act added this provision for new 401(k) and 403(b) plans started after 2022 requiring employers to do this for eligible employees at a contribution rate of 3% to 10%.
What is Automatic Enrollment
An individualized account or other individualized discretionary asset allocation program offered to Plan Participants, including a program that is based upon a model or program constructed by a professional service provider, that has been contracted by a Plan or the Plan Sponsor or contracted by its recordkeeper or another Plan party and adopted by the Plan or Plan Sponsor to provide such services.
What is a Managed Account
Launched by OpenAI on November 30 2022 as a free research preview. Its rapid, unprecedented growth in users set the record for the fastest user growth in internet history, reaching 1 million users in five days and 100 million in just two months.
What is ChatGPT
L. Frank Baum, author of The Wizard of Oz was born and raised in Chittenago and he is still very celebrated there. In this town, you can walk on sidewalks made of this material.
What is the Yellow Brick Road. You can also visit numerous Oz-themed businesses along the way.
This is the only edible food that never expires.
What is honey
Bill Sharpe, a Nobel Prize-winning economist, described this challenging process of converting retirement savings into a usable, sustainable stream of income for life, often described as "the nastiest, hardest problem in finance".
What is Decumulation
This agreement describes the constraints on securities and portfolio composition that are identified as applicable to the Investment Account.
What are the Investment Guidelines
This asset had its best year since 1979, surging past $3,700 per ounce and rising over 40% in 2025, putting it on pace for its largest annual gain in more than 45 years.
What is Gold
Leo Hirschfield invented this candy in New York City and named it after his daughter. Introduced in 1896, the candy initially sold for one penny.
What is the Tootsie Roll
This is the smallest country in the world.
What is the Vatican City
This "employee-based" retirement saving plan type was created first.
What is the 403(b) Plan created in 1958. In 1950 a number of companies added a new feature called a “cash or deferred arrangement” or CODA to their profit-sharing plans. However, the 403(b) was the first employee-based retirement savings plan in 1958. IRA’s followed suit in 1974, and finally the 401(k) was established by Congress in 1978.
A specific event or series of events, that if they occur and are not cured in a defined period of time, may provide this right to the issuer of a wrap contract.
What is a Termination Event(s)
This entity is the central bank of the United States, responsible for conducting the nation's monetary policy to promote maximum employment and stable prices. It also supervises and regulates banks, maintains the stability of the financial system, and provides financial services to the U.S. government and other financial institutions. Established in 1913, it is structured as an independent entity.
What is the Federal Reserve
Most rivers flow toward the ocean or toward some other large body of water. This river in New York does this also, but it goes the other way, too. Because the elevation of the river does not increase much between New York City and Albany, this river is affected by the tide for almost half of its 315-mile length. You can see the river rise and fall with the tides all the way to the Capital Region. The tide changes every six hours, so the river flows north for six hours, then south for six hours, on and on forever. It's a very uncommon phenomenon!
What is the Hudson River
What sport were women allowed to play in the Olympics for the first time?
What is tennis
This company’s bankruptcy was a major catalyst for the creation of the Pension Benefit Guarantee Corporation.
Who is Studebaker. In 1963 when Studebaker terminated its employee pension plan more than 4,000 auto workers lost some or all of their promised pension plan benefits. Congress passed the Employee Retirement Income Security Act (ERISA) in 1974 which established the Pension Benefit Guaranty Corporation (PBGC).
A similar but separate contract issued when an employing unit, subsidiary, or affiliate participating in the Plan is sold or terminates its relationship with the Contractholder.
What is a Clone Contract
This form of tokenized digital money using blockchain technology is designed to maintain a stable value, typically pegged one-to-one with conventional fiat currencies, most commonly the US Dollar. Their primary purpose is to serve as a medium of exchange in digital assets or for payment settlement.
What is Stablecoin
In the 1930s, the New York City Subway added this secret station under this famous hotel so President Franklin Delano Roosevelt could enter secretly from below after arriving to the city via Grand Central or Penn Stations.
What is the Waldorf Astoria
In what year was the internet opened to the public?
What is 1993
In what year was the first Social Security payment made?
What is 1940. The first Social Security payment was made to Ida May Fuller on January 31, 1940 in the amount of $22.54. A teacher and legal assistant from Vermont, she would later observe: "It wasn't that I expected anything, mind you, but I knew I'd been paying for something called Social Security..."
A reduction to the value of a contract that may occur at termination of an insurance separate account.
What is a Market Value Adjustment (MVA)
As of May 2025 foreign investors held $9.1 trillion in U.S. Treasuries, up 11% from $8.1 trillion a year earlier, according to data from the U.S. Department of the Treasury. This country holds the most U.S. Treasury bonds among foreign countries, with recent figures showing holdings around $1.14 trillion.
Japan. The United Kingdom ($809 billion) is the second-largest holder, followed by China ($756 billion)
Sam Wilson was a meatpacker from Troy. During the War of 1812, he stamped "U.S. Beef" on his products; soldiers joked that the U.S. stood for this person and soon this mythical character based on a real person was an icon. Sam Wilson is buried in Troy's famous Oakwood Cemetery and is still a local celebrity more than 200 years later.
Who is Uncle Sam
In 1974, this was the first product scanned by a UPC scanner.
What is Wrigley's Juicy Fruit gum