What Your Parents Didn’t Tell You About Saving for Retirement

Chances are, your parents have told you to max out your 401(k) plan. That’s good advice, but the hard truth is that your 401(k) plan is highly likely to fall short. To live comfortably in retirement, our research shows, you will almost surely need more.

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Multiple Employer DC Plans: Safety in Numbers?

Smaller US defined contribution (DC) plans face a host of fee difficulties simply because of the size of their plans. This has led to a growing interest in multiple employer plans as a potential cost-effective solution.

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Rethinking Revenue Sharing

While revenue sharing may be a legitimate way to pay for the costs of operating a plan, both US courts and the Department of Labor (DOL) have made it clear that plan sponsors have a significant responsibility as fiduciaries to fully understand, evaluate and monitor their revenue-sharing arrangements and determine whether they are reasonable. Therefore, [...]

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Coming to Grips with Excess Revenue Sharing

US defined contribution (DC) plan fees have been hit with heavy scrutiny recently—from Department of Labor (DOL) disclosure regulations to a rash of lawsuits that have cost several large plan sponsors millions of dollars in settlements and judgments. But perhaps one of the most interesting fee issues today focuses on revenue sharing.

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Critical Mass: Defined Contribution Can Transcend State of Crisis

The vast majority of Americans are saving too little to fund their future retirement needs, and US defined contribution (DC) plans cannot single-handedly make up the difference. The American retirement system is in crisis.

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Retire with Power…Purchasing Power

Retirement planning isn’t just long-term investing, it’s long-term spending, too. How can retirees help insulate the nest eggs they’ve accumulated from the corrosive long-term effects of inflation?

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Let’s Get Real About Inflation

by Jon Ruff (pictured) and Greg Wilensky of AllianceBernstein (NYSE:AB) For the US and other developed economies right now, it’s “all quiet on the inflation front.” Perhaps too quiet. That’s why we believe it’s time to get real about inflation and the investing opportunities that may well develop in the next several years.

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The Marriage of QDIAs and Managed Volatility in US DC Plans

Probably the best way to connect US defined contribution (DC) plan participants with the angst-reducing benefits of managing volatility is through a plan’s qualified default investment alternative (QDIA)—especially if the QDIA is a target-date fund.

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Another Step Forward for US DC Plans: Managing Volatility

We’re seeing more US defined contribution (DC) plan sponsors looking at a variety of ways to help their participants manage volatility—and the accompanying anxiety and doubts that can often push participants to abandon their long-term investing goals.

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Extreme Makeover for US Retirement Plan Menus?

We’ve heard rumblings in Washington: to fix America’s retirement problem, some argue we need to replace the whole defined contribution (DC) system; others say it just needs some targeted changes. We agree with the latter. A good place to start is a sensible rethinking of DC plan menus.

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