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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DC: Where the Action…Isn’t

Washington’s current inactivity poses a challenge for defined contribution (DC) plan sponsors, investment management providers and record keepers. We’ve heard rumblings of legislative, regulatory and perhaps even taxation changes…but what changes seem likely to happen?

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Let the Sunshine In! Benchmarking Brings Clarity to Retirement Plans

What gets measured gets managed. What gets managed…gets better.

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DC Solutions: Adding Global Bonds to Target-Date Funds

By Alison Martier and Seth J. Masters Within US defined contribution (DC) target-date funds (TDFs), whether we’re considering customized TDFs for larger plans or packaged solutions for smaller plans, our research shows that having a bond allocation that is not US-centric can lead to better outcomes and enhance the effectiveness of the glide path.

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A Guide for Globalizing DC Core Menus

By Alison Martier and Seth J. Masters At a time when plans are seeking to control risk and enhance returns, hedged global bonds can help improve outcomes for US defined contribution (DC) investors. Hedged global bonds have delivered better risk-adjusted results over time than US bonds. So how do we recommend plan sponsors incorporate global bonds, [...]

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