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Opinion Articles
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401(k) Specialist is the place for opinion articles on 401(k) topics, offering a rich tapestry of perspectives from industry leaders, financial advisors, and plan administrators. These articles provide valuable insights into the latest trends, challenges, and innovations in the realm of 401(k) planning and management. By presenting a variety of viewpoints, 401(k) Specialist encourages readers to think critically about their retirement strategies and consider new approaches to enhance plan performance. Whether it’s exploring investment options, dissecting regulatory changes, or debating best practices, the magazine fosters a community of informed professionals eager to share knowledge and drive the industry forward.
Wash, Rinse, Repeat
Jack Towarnicky is confident economic analysis of DC plan mandated disclosures will confirm that costs dramatically exceed the benefits
‘Fiduciary’ Should No Longer Be the Cornerstone of Our Profession
When the roles of politicians and regulators become indistinguishable, the result will often be complex rules and regulations that do more harm than good
4 Key Findings from the New Auto Portability Simulation
RCH has made available the results from a new version of their APS, which models the adoption of auto portability within America’s DC system over a 40-year period
Imminent Crises are Opportunities for Financial Advisors
Ron Surz says that fear will obsess 401(k) investors after the next stock market crash. This creates opportunities for investment advisors.
Auto Portability: It’s All About the Participants
Tom Hawkins explains how auto portability expressly addresses the needs of small-balance retirement savers who frequently change jobs
Should They Stay or Should They Go?
When it comes to 401(k) participants no longer working at a company, Innovest’s Kyli Soto and Troy Jensen take inspiration from The Clash classic in suggesting why plan sponsors might want to provide nudge toward moving those assets out of plan
Employers: One Way to Break Through the Barriers to Financial Help?
David Blanchett makes the case for plan sponsors to ramp up their offerings of financial wellness tools and solutions
Target Date Fund Theory and Evidence
Ron Surz argues that 401(k) participants are not getting the protection that academic lifetime investment theory prescribes and are therefore much less protected than they should be near retirement
What We Need in Retirement
Jack Towarnicky takes issue with a recent Wall Street Journal piece advocating to bring back corporate pension plans
Advisors Miss Great Opportunities in Target Date Funds
Advisors earn a quarter of the fees paid to TDF service providers. Here’s how they can get more