Browsing Tag
Opinion
262 posts
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
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?