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A common story line is that yesteryear’s retirees lived large, with lifelong pensions from defined benefit plans. Today’s seniors, reduced to 401(k)s and other mainly self-funded defined contribution plans, may find themselves clipping coupons and buying in bulk to survive.
That’s not exactly how the Investment Company Institute sees things.
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Education can help employees make confident decisions about NQDC and look forward to more money coming in after retirement.
The goal is to strike a thoughtful balance that supports employees during important life events while maintaining productivity, managing costs and ensuring equitable access.
From fiduciary guidance to financial education, advisers are taking on more responsibility as sponsors expand investment choices and focus on participant outcomes.
U.S. workers say retirement is getting harder to afford, raising questions about how organizations can help workers save, understand their benefits, and plan ahead.
Transamerica Institute finds more middle-class workers expect to fund retirement through 401(k)s and other savings, but financial pressures could derail those plans.
