Browsing Tag
Opinion
327 posts
401k Specialist website may include content written by our editors or provided by third parties. All statements and/or opinions expressed in these materials, and all articles and responses to questions and other content, other than the content provided by the Company, are solely the opinions and the responsibility of the person or entity providing those materials. These materials do not necessarily reflect the opinion of the Company.
Unlocking the Power of Retirement Plans for Climate Action
In this op-ed, Impact Experience’s Yejide Olutosin and Jenna Nicholas discuss a recently published opinion letter providing a legally defensible framework for evaluating ESG factors in employer-sponsored retirement plans
Why a Crash Like 2008 Would Decimate Boomers in TDFs
Ron Surz says a 2008-level stock market crash would be 17 times worse today because so many more Boomers have money in target date funds
Focus Shifts to Plan Sponsors as Portability Network Set to Go Live
As operations begin in October, plan sponsors will take center stage as they begin to adopt auto portability and witness its tangible results
Nostalgia, Baby Boomers and Target Date Funds
Baby Boomers have spoken. They want to be protected from investment losses. We should listen.
An Exemplary Multiemployer 401(k) Plan
Ron Surz says “retire with dignity’ is the guiding mission of this union 401(k), a “poster child” for what he says a defined contribution plan should be
Why the Future is Now Brighter for Small-Balance Retirement Accounts
Tom Hawkins explains two key developments that dramatically improve the outlook for retirement accounts with small balances
Which Annuities are Good for Retirement?
Annuity Research and Consulting Co-Founder Mark Chamberlain makes the case for doing insurer counterparty risk evaluations independently of ratings agencies
TDFs: Actions Speak Louder Than Words
Action: Sponsors choose TDFs that are 90% risky at their target date; Words: Sponsors say they want TDFs to protect near retirement
Target Date Funds Do NOT Reduce Risk Through Time, Except a Few TDFs
The prospect that interest rates might actually increase exposes most TDFs to an interesting dilemma. Ron Surz explains…
3 Shocking Facts You Should Know About Target Date Funds
Despite their popularity, Ron Surz says target date funds have serious deficiencies, but a few problems are shockingly imprudent and unrecognized