Browsing Tag
Qualified Default Investment Alternatives (QDIA)
33 posts
When Glide Paths Fail: Rethinking Downside Protection in Target Date Funds
Recent market breakdowns have exposed a structural limitation in traditional glide path design—raising the question of whether risk should be managed more directly
IRI Urges Congress to Mandate Lifetime Income Option in DC Plans
Insured Retirement Institute’s 2026 Retirement Security Blueprint includes 33 proposals
TIAA, Nuveen Reach 1,000-Employer Milestone with Lifetime Income TDFs
Announcement comes as new Sway report shows adoption quickly accelerating
How Not to Get Sued: Lessons from ERISA Expert Witness Eric Dyson
Lessons from ERISA Expert Witness Eric Dyson on how to reduce fiduciary risk and be better prepared if the Department of Labor comes calling.
Confidence in Target Date Funds is a Mistake Waiting to Happen
Ron Surz says the next market crash could expose flaws in TDF glidepaths
155 ERISA Fiduciary Lawsuits Filed in 2025 as Litigation Broadens
Encore Fiduciary report shows ERISA class action filings approached a record high last year with 401(k) plans still the primary target; settlements continue to mount but participant recoveries remain modest compared with attorney payouts
A Simple Formula for Retirement with Dignity
Ron Surz says retiring with dignity doesn’t have to be complicated, but many Baby Boomers heavily invested in target-date funds don’t realize they may be putting that dignified retirement at great risk
8 Must-Answer Questions Before Your Clients Add Private Equity to Their QDIA
Before your plan sponsor clients rush to add private equity to their default fund, here are eight make-or-break questions you need them to answer - with the documentation trail that will protect both of you when the lawyers come calling.
Managed Account QDIAs are Based Upon Risk Capacity Data — No Communication Whatsoever
Ron Surz says that to actually manage, you need to know risk tolerance, which requires communication because tolerance is emotional
Risk Capacity Used in PTDAs is Much More Dangerous Than Risk Tolerance
Ron Surz says Personalized Target Date Accounts providers are taking excessive risk because they confuse risk capacity with risk tolerance