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Opinion
321 posts
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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
Is an Unorganized Approach to Financial Planning Ever Optimal?
Most younger workers need a simpler, holistic option
Private Real Estate in DC Plans: The Next 10 Years
Greg Jenkins and Jani Venter outline four reasons why they believe this asset class will continue to make inroads into defined contribution plans over the coming decade
Let Ben Franklin Create ‘Middle Class Millionaires,’ Eradicate Poverty in America
Jack Towarnicky makes the case for the Benjamin Franklin Child Roth IRA
Theory vs. Practice in Target Date Fund Glidepaths
Academics developed a theory of lifetime investment glidepaths. Target date funds say they use this theory, but it’s marketing malarkey. Who knew?
401(k) Fiduciaries Put Defaulted Participants at Great Risk when they Cross this Bright Red Warning Line
Ron Surz says 401(k) fiduciaries choose the risk for defaulted participants, and in doing so unwittingly step over a bright red line into excessive risk that jeopardizes lifetime savings of defaulted participants near retirement
As Time Passes, the Gains Become Harder
Tom Hawkins observes that the nearly 45-year-old defined contribution system may face diminishing returns as it tries to generate future growth, and offers a smart "workout plan" to help increase retirement security