Safe Harbor Is Safe for Secure Lifetime Income Default Investments

The new frontier in US defined contribution (DC) plans involves qualified default investment alternatives (QDIAs) with a secure lifetime income component. Will such vehicles retain their safe-harbor protections? Yes.

read more

The Next Step to Increasing DC Plan Participation

Defined contribution (DC) plans can deliver benefits only if workers choose to participate. Unfortunately, about one in every five eligible US employees chooses not to, according to research from Aon Hewitt.

read more

The Myth of the Nest Egg

For decades we’ve focused on the nest-egg notion as the goal for retirement saving, benchmarking our progress in relation to that lump sum. But it has no context other than probably being the single biggest “paycheck” most of us will ever see.

read more

The Road to Restoring Confidence in Retirement

We are optimistic that a bright future lies ahead for retirement, despite all the concerns that Americans feel today.

read more

Poof! There Goes the American Retirement Dream…Again

When it comes to planning for retirement, we’ve been setting US workers up to fail.

read more

Do Smaller DC Plans Need Advisors?

Many smaller US defined contribution (DC) plans rely on guidance from advisors, and the majority of these DC plan sponsors are happy they do so. But how do plans gauge whether they really need advisors, and assess the benefits against the cost of advice?

read more

New Fee Disclosures for US DC Plan Participants: Context Is Key

The US Department of Labor’s new 404(a)(5) fee-disclosure rules for defined contribution (DC) plans will provide participants with a lot more information on plan and investment fees—in plain language. That’s a good thing. But there’s a real risk that the new rule may unintentionally drive participants to make poor investment choices.

read more

Archives by Month:

Archives by Subject: