Search Results
surz
47 posts
Benchmarking Personalized Target Date Accounts
Ron Surz provides a template for benchmarking PTDAs, removing an excuse for not providing them
When ‘Risk On’ Fades, TDFs Face the Prudence Test. Baby Boomers Beware.
Ron Surz says that when the next crash happens, “Risk Off” target date funds will demonstrate the importance of prudence. Unfortunately, he says most participants in TDFs will suffer the consequences of “Risk On.”
What Q1 Stock Setback Means to TDF Investors—Imprudence that was Hiding Until Now
Ron Surz says most target date funds are not diversified, but undiversified concentration in US stocks and bonds was helping until now. Diversified glidepaths perform best in Q1
The Yin and Yang of Personalized 401(k) Investments
Ron Surz says personalized products are not all the same. Personalization requires interaction
Truly Managed Accounts are Not QDIAs: Opinion
When is a managed account not managed? When it’s a QDIA,” says Ron Surz
Smart Personalized 401(k) Investments
Ron Surz says personalization is for the wealthy because they do not default. For the poor who do default, the answer is “personalized” safety for all in their QDIA
Personalized Target Date Accounts Provide Ability to Manage Risk Preferences
Ron Surz says fund managers are coming to market with PTDAs melding target date glidepaths with managed accounts, removing the one-size-fits-all shortcoming of TDFs
Echo Boomers are the Next Retirement Wave. What Will Target Date Funds Look Like for Them?
While Baby Boomers will likely not benefit from TDF improvements, Ron Surz says Millennials should
Recommendations to the ERISA Advisory Council Regarding Target Date Funds
Ron Surz stresses that TDFs need better protections in recommendations to the Council
What Baby Boomers Need to Know About Target Date Funds, and Why
Ron Surz says excessive risk is the most important TDF characteristic and laments attention given to things that don’t matter