Browsing Tag
Opinion
327 posts
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How States Define ‘Success’ for Their IRA Mandates
Should “success” include prompting employers to add or maintain a 401(k) plan to avoid the state IRA mandate?
Custom Target Date Funds Need Personalization
Ron Surz says the critical requirement for an effective customized solution is sound risk management along personalized glidepaths
The ‘Smart’ Thing to Do with a Refund of 2023 Taxes
No, not your 2022 tax refund; yes, the 2023 tax refund workers will receive a year from now! Jack Towarnicky has advice on the subject for 401(k) plan sponsors
Mandated Fee Disclosures: Participants Pay … But Get Little in Return
What would you change?
Maximize Outcomes, Not Incomes (‘Die with Zero’)
Pre-retirement planning for workers retiring in the second half of the 21st Century
DOL’s Lifetime Income Illustration Flaws Will Back Sponsors into a Corner
By mandating Illustrations that don’t provide a proper estimate of future retirement income, James Kavanagh argues the DOL has created a dilemma for plan sponsors
A Modest Proposal for Just Two Target Date Fund Benchmarks
As in "safe" vs. "risky"—and Ron Surz recommends using them to focus exclusively on performance in the Risk Zone
Who Suffers the Most in an Investment Market Crash?
Ron Surz says the pain meter is highest in the retirement “Risk Zone” when both rich and poor suffer the most
A Renaissance for Auto Enrollment
Thanks to two recent developments, Tom Hawkins says auto enrollment is poised to enter its final phase of growth
Saving for Retirement: No One Size Fits All
LeafHouse’s Michael Garberich makes a case for personalized managed accounts