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	<title>The Retirement Savings Challenge</title>
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	<link>http://www.theretirementsavingschallenge.com</link>
	<description>A world of investing for retirement™</description>
	<lastBuildDate>Wed, 16 May 2012 16:42:54 +0000</lastBuildDate>
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		<item>
		<title>Retirement savings meet a clear national need</title>
		<link>http://www.theretirementsavingschallenge.com/2012/05/retirement-savings-meet-a-clear-national-need/</link>
		<comments>http://www.theretirementsavingschallenge.com/2012/05/retirement-savings-meet-a-clear-national-need/#comments</comments>
		<pubDate>Wed, 16 May 2012 16:42:54 +0000</pubDate>
		<dc:creator>Putnam Investments</dc:creator>
				<category><![CDATA[Defined Contribution]]></category>
		<category><![CDATA[Retirement Reform]]></category>
		<category><![CDATA[bob reynolds]]></category>
		<category><![CDATA[reit]]></category>
		<category><![CDATA[robert l. reynolds]]></category>

		<guid isPermaLink="false">http://www.theretirementsavingschallenge.com/?p=1603</guid>
		<description><![CDATA[Excerpted from a statement submitted by Robert L. Reynolds to the House Ways and Means Committee to be part of the record of the April 17, 2012 Hearing on Tax Reform and Tax-Favored Retirement Accounts. Surging federal deficits and a &#8230; <a href="http://www.theretirementsavingschallenge.com/2012/05/retirement-savings-meet-a-clear-national-need/">Continue reading <span class="meta-nav">&#187;</span></a>]]></description>
		<wfw:commentRss>http://www.theretirementsavingschallenge.com/2012/05/retirement-savings-meet-a-clear-national-need/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
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		<title>Retirement savings tax incentives under pressure on Capitol Hill</title>
		<link>http://www.theretirementsavingschallenge.com/2012/04/retirement-savings-tax-incentives-under-pressure-on-capitol-hill/</link>
		<comments>http://www.theretirementsavingschallenge.com/2012/04/retirement-savings-tax-incentives-under-pressure-on-capitol-hill/#comments</comments>
		<pubDate>Thu, 26 Apr 2012 15:15:09 +0000</pubDate>
		<dc:creator>Putnam Investments</dc:creator>
				<category><![CDATA[Defined Contribution]]></category>
		<category><![CDATA[Retirement Saving]]></category>
		<category><![CDATA[congress]]></category>
		<category><![CDATA[investment news]]></category>
		<category><![CDATA[retirement savings incentives]]></category>
		<category><![CDATA[robert l. reynolds]]></category>

		<guid isPermaLink="false">http://www.theretirementsavingschallenge.com/?p=1590</guid>
		<description><![CDATA[Financial advisors are worried about the future of retirement savings incentives, reported InvestmentNews in an April 22 article. Congress has put pressure on tax provisions allowing workers to defer tax payments on contributions to retirement savings. These provisions may be &#8230; <a href="http://www.theretirementsavingschallenge.com/2012/04/retirement-savings-tax-incentives-under-pressure-on-capitol-hill/">Continue reading <span class="meta-nav">&#187;</span></a>]]></description>
		<wfw:commentRss>http://www.theretirementsavingschallenge.com/2012/04/retirement-savings-tax-incentives-under-pressure-on-capitol-hill/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Defined contribution: A strong base to build on</title>
		<link>http://www.theretirementsavingschallenge.com/2012/04/defined-contribution-a-strong-base-to-build-on/</link>
		<comments>http://www.theretirementsavingschallenge.com/2012/04/defined-contribution-a-strong-base-to-build-on/#comments</comments>
		<pubDate>Tue, 10 Apr 2012 14:00:32 +0000</pubDate>
		<dc:creator>Edmund F. Murphy III</dc:creator>
				<category><![CDATA[Defined Contribution]]></category>
		<category><![CDATA[Retirement Reform]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[edmund murphy]]></category>
		<category><![CDATA[retirement]]></category>

		<guid isPermaLink="false">http://www.theretirementsavingschallenge.com/?p=1516</guid>
		<description><![CDATA[Though it is not easy to save, we believe retirement savings is the key to our national fiscal puzzle. America needs to transition away from soaring public and private spending, leverage, and debt-fueled excess. The solution is a revitalized economic &#8230; <a href="http://www.theretirementsavingschallenge.com/2012/04/defined-contribution-a-strong-base-to-build-on/">Continue reading <span class="meta-nav">&#187;</span></a>]]></description>
		<wfw:commentRss>http://www.theretirementsavingschallenge.com/2012/04/defined-contribution-a-strong-base-to-build-on/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Retirement tax deferrals: Who benefits? Who pays?</title>
		<link>http://www.theretirementsavingschallenge.com/2012/04/retirement-tax-deferrals-who-benefits-who-pays/</link>
		<comments>http://www.theretirementsavingschallenge.com/2012/04/retirement-tax-deferrals-who-benefits-who-pays/#comments</comments>
		<pubDate>Wed, 04 Apr 2012 11:00:48 +0000</pubDate>
		<dc:creator>Edmund F. Murphy III</dc:creator>
				<category><![CDATA[Defined Contribution]]></category>
		<category><![CDATA[Retirement Reform]]></category>
		<category><![CDATA[Retirement Saving]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[Ed Murphy Putnam]]></category>
		<category><![CDATA[putnam investments]]></category>

		<guid isPermaLink="false">http://www.theretirementsavingschallenge.com/?p=1514</guid>
		<description><![CDATA[Efforts to address national solvency in the United States have created new challenges for our retirement savings system. Seeking to cut federal spending, some congressional budget hawks have identified retirement savings tax deferrals as &#8220;tax expenditures.&#8221; One of the most &#8230; <a href="http://www.theretirementsavingschallenge.com/2012/04/retirement-tax-deferrals-who-benefits-who-pays/">Continue reading <span class="meta-nav">&#187;</span></a>]]></description>
		<wfw:commentRss>http://www.theretirementsavingschallenge.com/2012/04/retirement-tax-deferrals-who-benefits-who-pays/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Most Americans are not saving enough for retirement</title>
		<link>http://www.theretirementsavingschallenge.com/2012/03/most-americans-are-not-saving-enough-for-retirement/</link>
		<comments>http://www.theretirementsavingschallenge.com/2012/03/most-americans-are-not-saving-enough-for-retirement/#comments</comments>
		<pubDate>Thu, 29 Mar 2012 14:00:01 +0000</pubDate>
		<dc:creator>Edmund F. Murphy III</dc:creator>
				<category><![CDATA[Defined Contribution]]></category>
		<category><![CDATA[Retirement Reform]]></category>
		<category><![CDATA[Retirement Saving]]></category>
		<category><![CDATA[edmund murphy]]></category>
		<category><![CDATA[putnam investments]]></category>
		<category><![CDATA[savings rates]]></category>

		<guid isPermaLink="false">http://www.theretirementsavingschallenge.com/?p=1509</guid>
		<description><![CDATA[Today, policy challenges facing national solvency are inextricably linked to those facing personal solvency, especially in the pursuit of adequate income in retirement. Even as we try to get long-term deficits under control, we anticipate strong downward pressure on the &#8230; <a href="http://www.theretirementsavingschallenge.com/2012/03/most-americans-are-not-saving-enough-for-retirement/">Continue reading <span class="meta-nav">&#187;</span></a>]]></description>
		<wfw:commentRss>http://www.theretirementsavingschallenge.com/2012/03/most-americans-are-not-saving-enough-for-retirement/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Resisting the policy threat to retirement savings</title>
		<link>http://www.theretirementsavingschallenge.com/2012/03/resisting-the-policy-threat-to-retirement-savings/</link>
		<comments>http://www.theretirementsavingschallenge.com/2012/03/resisting-the-policy-threat-to-retirement-savings/#comments</comments>
		<pubDate>Thu, 22 Mar 2012 14:30:18 +0000</pubDate>
		<dc:creator>Putnam Investments</dc:creator>
				<category><![CDATA[Defined Contribution]]></category>
		<category><![CDATA[Retirement Reform]]></category>
		<category><![CDATA[Retirement Saving]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[Ed Murphy Putnam]]></category>
		<category><![CDATA[putnam investments]]></category>
		<category><![CDATA[retirement savings]]></category>

		<guid isPermaLink="false">http://www.theretirementsavingschallenge.com/?p=1505</guid>
		<description><![CDATA[Adapted from remarks delivered by Edmund F. Murphy III, Head of Defined Contribution, Putnam Investments, at the “FS University,” organized by the Financial Services Roundtable in Washington, D.C.]]></description>
		<wfw:commentRss>http://www.theretirementsavingschallenge.com/2012/03/resisting-the-policy-threat-to-retirement-savings/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>Annual 401(k) benchmarking survey shows what&#8217;s working in workplace savings</title>
		<link>http://www.theretirementsavingschallenge.com/2012/02/annual-401k-benchmarking-survey-shows-whats-working-in-workplace-savings/</link>
		<comments>http://www.theretirementsavingschallenge.com/2012/02/annual-401k-benchmarking-survey-shows-whats-working-in-workplace-savings/#comments</comments>
		<pubDate>Fri, 24 Feb 2012 13:01:02 +0000</pubDate>
		<dc:creator>Putnam Investments</dc:creator>
				<category><![CDATA[Defined Contribution]]></category>
		<category><![CDATA[Retirement Saving]]></category>
		<category><![CDATA[401k]]></category>
		<category><![CDATA[deloitte 401k survey]]></category>

		<guid isPermaLink="false">http://www.theretirementsavingschallenge.com/?p=1464</guid>
		<description><![CDATA[Deloitte&#8217;s annual 401(k) benchmarking survey contains a wealth of information of interest to plan sponsors and 401(k) plan participants. Some highlights include: 56% of plans now include an automatic enrollment feature, up 7% from 2010 47% of plans now include &#8230; <a href="http://www.theretirementsavingschallenge.com/2012/02/annual-401k-benchmarking-survey-shows-whats-working-in-workplace-savings/">Continue reading <span class="meta-nav">&#187;</span></a>]]></description>
		<wfw:commentRss>http://www.theretirementsavingschallenge.com/2012/02/annual-401k-benchmarking-survey-shows-whats-working-in-workplace-savings/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>A retirement policy wish list for 2012</title>
		<link>http://www.theretirementsavingschallenge.com/2011/12/a-retirement-policy-wish-list-for-2012/</link>
		<comments>http://www.theretirementsavingschallenge.com/2011/12/a-retirement-policy-wish-list-for-2012/#comments</comments>
		<pubDate>Wed, 28 Dec 2011 13:30:10 +0000</pubDate>
		<dc:creator>Robert L. Reynolds</dc:creator>
				<category><![CDATA[Retirement Reform]]></category>
		<category><![CDATA[Retirement Saving]]></category>
		<category><![CDATA[Solvency]]></category>
		<category><![CDATA[bob reynolds]]></category>
		<category><![CDATA[Putnam Investm]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[robert l. reynolds]]></category>

		<guid isPermaLink="false">http://www.theretirementsavingschallenge.com/?p=1438</guid>
		<description><![CDATA[The United States is ready to make some changes, and topping my wish list for public and private leaders in 2012 is that they recognize this fact. Of the major lessons learned in 2011, none may be more important than &#8230; <a href="http://www.theretirementsavingschallenge.com/2011/12/a-retirement-policy-wish-list-for-2012/">Continue reading <span class="meta-nav">&#187;</span></a>]]></description>
		<wfw:commentRss>http://www.theretirementsavingschallenge.com/2011/12/a-retirement-policy-wish-list-for-2012/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2011: Retirement reform took center stage with debt debate</title>
		<link>http://www.theretirementsavingschallenge.com/2011/12/2011-retirement-reform-took-center-stage-with-debt-debate/</link>
		<comments>http://www.theretirementsavingschallenge.com/2011/12/2011-retirement-reform-took-center-stage-with-debt-debate/#comments</comments>
		<pubDate>Tue, 13 Dec 2011 13:45:36 +0000</pubDate>
		<dc:creator>Robert L. Reynolds</dc:creator>
				<category><![CDATA[Retirement Reform]]></category>
		<category><![CDATA[Retirement Saving]]></category>
		<category><![CDATA[Solvency]]></category>
		<category><![CDATA[bob reynolds]]></category>
		<category><![CDATA[putnam investments]]></category>
		<category><![CDATA[retirement]]></category>
		<category><![CDATA[roert l. reynolds]]></category>

		<guid isPermaLink="false">http://www.theretirementsavingschallenge.com/?p=1427</guid>
		<description><![CDATA[This year was marked by major economic and political changes around the world. From Japan’s earthquake/tsunami disaster to new governments in the Middle East and the sovereign debt crisis in Europe, macroeconomic events contributed to a year of volatility in &#8230; <a href="http://www.theretirementsavingschallenge.com/2011/12/2011-retirement-reform-took-center-stage-with-debt-debate/">Continue reading <span class="meta-nav">&#187;</span></a>]]></description>
		<wfw:commentRss>http://www.theretirementsavingschallenge.com/2011/12/2011-retirement-reform-took-center-stage-with-debt-debate/feed/</wfw:commentRss>
		<slash:comments>0</slash:comments>
		</item>
		<item>
		<title>2020 is another country: The race to solvency</title>
		<link>http://www.theretirementsavingschallenge.com/2011/11/2020-is-another-country-the-race-to-solvency/</link>
		<comments>http://www.theretirementsavingschallenge.com/2011/11/2020-is-another-country-the-race-to-solvency/#comments</comments>
		<pubDate>Tue, 15 Nov 2011 16:06:08 +0000</pubDate>
		<dc:creator>Robert L. Reynolds</dc:creator>
				<category><![CDATA[Retirement Saving]]></category>
		<category><![CDATA[Solvency]]></category>
		<category><![CDATA[putnam investments]]></category>
		<category><![CDATA[robert l. reynolds]]></category>
		<category><![CDATA[solvency]]></category>

		<guid isPermaLink="false">http://www.theretirementsavingschallenge.com/?p=1402</guid>
		<description><![CDATA[Come New Year’s Day 2020, we’ll be facing new challenges, but also new opportunities — many of which we can’t even imagine. The year 2020 will be “another country.” And yet despite the many, many unknowns and surprises that lie &#8230; <a href="http://www.theretirementsavingschallenge.com/2011/11/2020-is-another-country-the-race-to-solvency/">Continue reading <span class="meta-nav">&#187;</span></a>]]></description>
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		<slash:comments>0</slash:comments>
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