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Opinion
327 posts
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Benchmarking Personalized Target Date Accounts
Ron Surz provides a template for benchmarking PTDAs, removing an excuse for not providing them
Ascending SECURE 2.0: Catch-Up Contributions
Reaching summit of the landmark law’s changes made more challenging by two big looming provisions, say contributors Sydney Aeschlimann and Robert Stebbins
Beyond More Tools: The Missing Ingredient in Financial Behavior Change
Lauren Loehning says if the industry really wants to close the behavior gap, it has to move from tech-enabled nudges to trust-based change
When ‘Risk On’ Fades, TDFs Face the Prudence Test. Baby Boomers Beware.
Ron Surz says that when the next crash happens, “Risk Off” target date funds will demonstrate the importance of prudence. Unfortunately, he says most participants in TDFs will suffer the consequences of “Risk On.”
On Earth Day, Consider Auto Portability to ‘Recycle’ 401(k) Savings
Tom Hawkins says the inefficient handling of 401(k) accounts when employees change jobs produces unnecessary waste
Top 5 Trends in Employee Benefits for 2025
401(k) priority among employees has more than doubled since 2018, new ADP survey finds
What Q1 Stock Setback Means to TDF Investors—Imprudence that was Hiding Until Now
Ron Surz says most target date funds are not diversified, but undiversified concentration in US stocks and bonds was helping until now. Diversified glidepaths perform best in Q1
The Impact Anti-DEI/ESG May Have on Fiduciary Responsibility
To act in the best interests of a client, a fiduciary has a duty to align the client’s goals and objectives with their core values, priorities, and sense of purpose
The Saver’s Match and Auto Portability: A Powerful Combination
Tom Hawkins says combining the power of the upcoming SECURE 2.0 change with the efficiency of auto portability provides a unique opportunity to create a more inclusive, effective retirement savings system
The Yin and Yang of Personalized 401(k) Investments
Ron Surz says personalized products are not all the same. Personalization requires interaction