Browsing Tag
Ron Surz
29 posts
Smart Personalized 401(k) Investments
Ron Surz says personalization is for the wealthy because they do not default. For the poor who do default, the answer is “personalized” safety for all in their QDIA
Personalized Target Date Accounts Provide Ability to Manage Risk Preferences
Ron Surz says fund managers are coming to market with PTDAs melding target date glidepaths with managed accounts, removing the one-size-fits-all shortcoming of TDFs
What Baby Boomers Need to Know About Target Date Funds, and Why
Ron Surz says excessive risk is the most important TDF characteristic and laments attention given to things that don’t matter
QDAI: Qualified Default Artificial Intelligence
Ron Surz says there is an evolution underway in 401(k) investing that is being driven by AI
Feel the Pain of the U.S. Debt Problem
We don’t “feel” the magnitude of our gigantic debt, but we are beginning to feel its cost
DOL Final Fiduciary Rules Could Resolve Conflicting Interests in Target Date Funds
Ron Surz warns TDF participants will be the big losers in the next market correction—unless they start using personalized target date accounts
Fiduciaries Incite Revenge of the Baby Boomers
New CFA Institute research confirms that target date funds expose Boomers to much greater risk than the theory TDFs pretend to follow
There’s No Way Out. Deal With It.
Ron Surz explains the causes for an upcoming economic crisis and offers suggestions for investors to deal with it because stocks and bonds won’t do
Imminent Crises are Opportunities for Financial Advisors
Ron Surz says that fear will obsess 401(k) investors after the next stock market crash. This creates opportunities for investment advisors.
Target Date Fund Theory and Evidence
Ron Surz argues that 401(k) participants are not getting the protection that academic lifetime investment theory prescribes and are therefore much less protected than they should be near retirement