Learning Center
This Learning Center was created to help you make sound investment and savings decisions for your JRB account.
Whether you’re new to the Plan, have been contributing for several years, nearing retirement or in retired, you’ll find objective, educational information that clearly explains investment principles and strategies you can use to achieve your long-term financial well-being.
It’s essential to have a basic understanding of investing and retirement planning. That way, you can have more meaningful discussions about your account with your family, financial advisors and the JRB’s professional staff.
Plan Features
- The JRB Plan
- JRB Plan Member Benefits
- Complimentary Financial Consultation
- JRB Complimentary Insurance Program - A Benefit of Membership
- You Have the Power – Manage Your JRB Account Online
- Create Your Own Will, Power of Attorney, Healthcare Directive and Living Trust
- The JRB Board of Trustees – Your Retirement Plan Fiduciaries
- Who is Alerus?
JRB Investment Options
- JRB Bond Funds
- JRB Large-Cap Funds
- JRB Small- and Mid-Cap Funds
- JRB International Funds
- JRB Target Date Funds
- Stable Value/Israel Bonds/Hybrid Fund
Investment Fundamentals
- 15 Questions to Test Your Financial Knowledge
- Compounding: The Eighth Wonder of the World
- Understanding Market Capitalization
- Understanding Growth and Value Investing
- Understanding Inflation
- Active vs. Passive Investment Management: Which Strategy is Best for You?
- The Mutual Fund Style Box
- Understanding Stock Mutual Fund Benchmarks
- Introduction to Bonds
- Understanding Bond Mutual Fund Benchmarks
- Building an Investment Portfolio
- 5 Financial Housekeeping Tips
- Understanding Investment Risk
- Rebalancing Your Portfolio
- I Have Lost Nothing in the Stock Market Because I Am Not Selling Today
- How Have Markets Performed in Previous Downturns
- Investing in a Low Interest Rate Environment
- The Market Is Up. What Does It Mean?
- Putting Stock Market Volatility into Perspective
- What Market Volatility Means for You
- How Can You Tell If a Recession Is Coming?
Parsonage Allowance
- Understanding the Parsonage Allowance Part 1:Parsonage and the Dual Tax Status of Clergy
- 2023 Parsonage Resolution
Taxes
- How Long Should You Keep Your Tax Records?
- Tax Credits and Tax Deductions — What’s the Difference?
- Who is Alerus?
- Three Tips to Lower Your Taxes
Saving for Retirement
- 2023 JRB Retirement Plan Contribution Limits
- 2022 in Review
- A Simple Mind Trick to Save More for Retirement
- Defining – and Calculating – Your Net Worth
- Saving for Your Child’s Education
- Balancing Student Debt with Retirement Savings
- Federal Student Loan Payment Moratorium Extended to June 30, 2023
- 6 Financial Planning Tips for Millennials
- 3 Ways to Get the Most Out of Your Raise
- Understanding Inflation
- Is Inflation a Problem? How Should a Long-Term Investor Respond?
- How Inflation Affects Your Retirement Savings: And What You Can Do About It
Retirement
- How Much Income Can My Retirement Account Provide?
- Spending Strategies in Retirement
- Planning Your Retirement Income: Taking Distributions with Taxes in Mind
- What is a Required Minimum Distribution?
- Managing Your JRB Portfolio in Retirement
- Managing Market Volatility Near Retirement
Social Security and Medicare
- Social Security Announces 2023 COLA
- Social Security for Married Couples
- When Should You Claim Social Security?
- Working and Social Security — What Are the Rules?
- Paying for Healthcare in Retirement
- Social Security Finances Continue to DeteriorateLong-Term Fixes Remain the Same
Estate Planning
- Estate Planning Tips
- 9 Mistakes to Avoid When Naming Beneficiaries
- Why You Should Review Your Beneficiary Designations
- Distribution Options for Beneficiaries
- Powers of Attorney and Advance Medical Directives