A large insurance company recently allocated $100 million to Bitcoin.[1] In a 2020 survey of nearly 800 institutional investors from the United States and Europe, 36% of respondents confirmed... Read More
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DC Plan Design
BY Ted Godbout | 8/17/2021
As a follow-up to its June 2021 How America Saves study, a supplementary report by Vanguard offers four key themes and recommended plan actions that can improve participant outcomes. ... Read More
BY Ted Godbout | 7/19/2021
While it may come as no surprise, new survey results show that auto-enrollment has been an important tool to help young savers get on the right track to saving for retirement early in their careers.... Read More
BY Ted Godbout | 7/16/2021
There appears to be a growing trend of 401(k) plan participants increasingly wanting more help to plan for retirement, as many feel overloaded and don’t know where to begin.
In what J.... Read More
BY Ted Godbout | 7/1/2021
While advisor-managed accounts (AMAs) are relatively new to the DC market, they have gained some traction among providers over the past two years, according to a new report.
This is... Read More
BY Ted Godbout | 6/22/2021
Employer matches in 401(k) plans are often used as a recruiting tool as part of employee compensation packages, but there are wide variations in the design of matching formulas.
For example... Read More
BY Ted Godbout | 6/16/2021
A new research paper suggests that policies that promote retirement saving, such as auto-enrollment, may unintentionally lead to an increase in abandoned retirement savings accounts.
In SSRN... Read More
BY Nevin E. Adams, JD | 6/15/2021
With all the buzz about cryptocurrency—well, I’m sure it will come as no surprise that somebody wants to bring it into 401(k)s.
More specifically, last week ForUsAll, a retirement... Read More
BY Ted Godbout | 6/14/2021
Plan design features, such as auto-enrollment, auto-escalation and target-date funds, helped DC plan participants stay the course and improve retirement outcomes, according to the most recent... Read More
BY Nevin E. Adams, JD | 3/22/2021
A new study finds that automatic enrollment not only triples the participation rate of new hires, but that over time the vast majority increase their deferral rates.
The report—“Automatic... Read More
BY Ted Godbout | 2/24/2021
While both employers and their employees generally see the value of guaranteed lifetime income options, differences emerge among 401(k) and 403(b) providers when it comes to retirement plan... Read More
BY Ted Godbout | 2/17/2021
Plan sponsors indicate they are more likely to conduct a fee study in 2021, compared to last year, according to the results of Callan’s annual Defined Contribution Survey.
Now in its 14th... Read More
BY Ted Godbout | 2/9/2021
The results of a new survey reveal that certain plan features have seen a significant increase in adoption, while others have struggled to gain traction.
For instance, brokerage... Read More
BY Nevin E. Adams, JD | 10/20/2020
A reader recently commented, “Nevin: You are continually berating those who question various aspects of 401(k) plans as if the current structure is ‘perfect.’ It isn’t.”
That comment was inspired... Read More
BY Ted Godbout | 10/16/2020
Older Americans are warming to retirement solutions that combine in-plan income solutions and retail advice to address a broader set of needs than currently offered within employer-sponsored... Read More
BY Nevin E. Adams, JD | 9/23/2020
Teresa Ghilarducci doesn’t give American employers—or advisors—much credit.
She recently penned an article in Forbes titled “Employers Can’t Provide Retirement Plans. Let’s Stop Pretending... Read More
BY Ted Godbout | 8/27/2020
There are a variety of reasons a plan sponsor may choose to make a managed account solution available to participants, but there are several factors to consider when determining if they are right for... Read More
BY Ted Godbout | 4/28/2020
A new study finds that a significant percentage of plan sponsors have embraced the use of automatic plan design features, but adoption may have “plateaued” to some degree.
First fielded in... Read More
BY Nevin E. Adams, JD | 1/6/2020
A recent survey by the Plan Sponsor Council of America suggests that some plan design feature adoption rates may have plateaued. What’s been your experience?
PSCA’s 62nd Annual Survey of Profit... Read More
BY Ted Godbout | 1/2/2020
The “economic sway” of Millennials – now the largest segment of the workforce – creates an opportunity for plan sponsors and advisors to influence their saving success, according to a recent post by... Read More
BY Ted Godbout | 12/5/2019
With longer life expectancies and workforce participation rates pushing past age 65, Americans’ notion of “normal retirement” is changing, according to a biennial survey.
The 2019 edition of... Read More
BY Nevin E. Adams, JD | 11/26/2019
Thanksgiving has been called a “uniquely American” holiday, and while that may be something of an overstatement, it is unquestionably a special holiday, and one on which it seems appropriate to... Read More
BY Ted Godbout | 11/5/2019
Most participants tend to be under financial stress when taking a loan from their 401(k), so the thought of repaying it becomes an afterthought that later adds to their stress, according to a new... Read More
BY Ted Godbout | 8/19/2019
A recent report contends that changes enacted under the Bipartisan Budget Act (BBA) of 2018 have led to a noticeable jump in withdrawals.
The white paper from Fidelity Investments – “... Read More
BY Ted Godbout | 8/16/2019
Whether considered as a standalone policy initiative or in tandem with other legislation, implementation of auto-portability could reduce overall retirement savings deficits by hundreds of billions... Read More
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