Browsing Tag
Ron Surz
82 posts
ZIRP Danger: Zero Interest Rate Policy Impact on What’s Ahead
Last week, 401(k) Specialist published Institutional Investors Both Optimistic, Pessimistic Post-Pandemic. I believe that paranoia is more appropriate…
Baby Boomers Beware: The Next 401(k) Scandal is Here
Most are familiar with the excessive fee scandal in 401(k) plans, as documented in books like David Loeper’s…
How Target Date Fund Glide Paths Compare Around the World
Target-Date Fund (TDF) glide paths are different around the world for reasons I’ll explain. A recent Congressional inquiry…
The Obvious, If Overlooked, Retirement Crisis Solution
The retirement crisis is real. Most baby boomers have not saved enough. Fully 70% of baby boomers, which…
A Target-Date Fund Recommendation to Congress
On May 6, 2021 Senator Patty Murray, D-Wash., Chair of the Health, Education, Labor, and Pensions (HELP) Committee,…
Why the Best Performing 401(k) Target-Date Funds are Riskiest
Several years ago, I developed a Prudence Score for target-date funds as an alternative to Morningstar and fi360…
A Response to a Congressional Request to Review Target Date Funds
On May 6, 2021, Senator Patty Murray, D-Wash., Chair of the Health, Education, Labor, and Pensions (HELP) Committee,…
A Bursting Bubble’s Effect on the 401(k)
It would appear that nothing can pop the current stock market bubble, but there is one pretty straightforward…
401(k)s and QDIA: Why Simple is Not Safe
Fiduciaries think any qualified default investment alternative (QDIA) will do, and that it’s prudent to pick the biggest.…
A Helpful Table for Researching Target Date Funds
What’s the difference between an objective and a hope? Target date fund brochures say the objectives of TDFs…