Browsing Tag
Opinion
327 posts
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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
The Road Less Traveled for Retirement Planning: Cash Balance Pensions
Todd Kading and Chad Rice make the case for often-overlooked cash balance plans as a valuable benefit
The Secret Metamorphosis of Target Date Funds
Ron Surz says non-oligarchs are taking the lead in solving the “one-size-fits-all” problem in TDFs
The Impact of Inflation’s Return on Retirement Planning
Glen Franklin of Jackson National writes on the influence of market volatility on retirement planning, and the products that can protect investors against inflation
I Have Seen the Enemy and It Is Us?
Advisor Terry Morgan says advisors overlooking “little” 401(k) participants is a big problem for the retirement industry