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Plan sponsors wishing to offer a professionally managed series of investment funds should note the following problems with target-risk funds that cause them to be vastly inferior to target-date funds.
Many 401(k) plan participants are convinced that active management no longer works. But is a passive-only strategy appropriate?
Significant amounts of participant balances are leaking out of 401(k) plans and not being replenished, with potentially disastrous results.
Have you seen those new BrokerCheck commercials on TV? With the help of these commercials, FINRA, the Financial Industry Regulatory Authority, would like to motivate anyone looking to hire a financial adviser to visit its BrokerCheck website first to vet candidates.
The average mutual fund investor typically underperforms the indexes each year by a wide margin. What can 401(k) plan participants (who comprise the majority of mutual fund investors) do to keep from sabotaging their annual returns?
Commentary: If the objective of the Chamber of Commerces study on the DOLs proposed fiduciary rules was to scare small business owners, clearly it succeeded. But it certainly failed on another level.
When the recently proposed fiduciary rules are finalized there will likely continue to be significant differences between how Registered Investment Advisors (RIAs) and brokers interact with their retirement plan clients from a fiduciary standpoint.
Although legal experts are unanimously proclaiming that SCOTUS' ruling in Tibble will significantly expand 401(k) plan litigation, one expert shares his doubts.
The Department of Labor recently announced a proposed set of regulations about retirement plan fiduciary responsibility. Here are the answers to nine frequently asked questions employers have about their fiduciary duties.
Commentary: The Department of Labor's new proposed fiduciary regulations have caused quite a stir in the retirement plan community. A frequently asked question is who, exactly, will be affected, and who won't be.
Recently BlackRock, the largest asset manager in the world, announced that it would follow Fidelity and Federated in making changes to its money market fund offerings. These changes are in response to SEC reform rules announced during the summer of 2014, which will permit floating NAVs, redemption fees and liquidation windows in prime money market funds.
Commentary: The new proposal will provide greater transparency regarding fees and a uniform definition of who is a fiduciary.
Neuroeconomics is a combination of economics, neuroscience and psychology and it can affect how employees make investment decisions in their 401(k) plan.
Commentary: All retirement plan sponsors should be working with investment advisers who have signed on to their plan as fiduciaries.
Commentary: A number of large plan sponsors have dumped all of their actively managed funds, including for better fiduciary compliance. Is it a good idea?
Most 401(k) plan sponsors work with an investment adviser to help them manage their 401(k) plans. Many are unaware that it is reasonable to expect their investment adviser to help with various vendor management duties.
The addition of a Roth in-plan conversion feature to a company's 401(k) plan may be viewed by executives as an important tax planning tool.
Lack of transparency and confusion for plan participants are just two reasons white-labeling 401(k) plan investments is a bad idea.
As employers struggle to find methods to get workers more involved in their 401(k) offerings, it's looking that online education is the best route to build engagement.
Reflecting on the challenging and exciting changes to employee retirement plans in 2014 – from the myRA to fee disclosure rules – plan sponsors and advisers certainly had their hands full.
