Retirement education

In this low-return, low-interest rate environment, there’s a new set rules for offering a list of retirement plan funds, according to wealth management adviser Robert Lawton.

In this low-return, low-interest rate environment, there’s a new set rules for offering a list of retirement plan funds, according to wealth management adviser Robert Lawton.

Russell Investments goes a step further than target-date funds based on participant demographics at the plan sponsor level by enabling automated TDF customization at the participant level.

While the 401(k) marketplace is crowded with asset managers anxious to create customized target-date funds based on participant demographics at the plan sponsor level, Russell Investments goes a step further by enabling automated TDF customization at the participant level.

More than half of large employers offer them, yet only a small fraction of participants are using them, according to new research.

Almost 20% of Americans 65 and older are now working, according to the latest data from the U.S. Bureau of Labor Statistics. That’s the most older people with a job since the early 1960s, before the U.S. enacted Medicare.

Shorter term Treasury Inflation Protected Securities — those with a bond maturity of zero to five years — do a better job of controlling inflation in a target-date fund than mid-term or long-term TIPS, according to SEI.

More than half of large employers offer the investment vehicle, yet only a small fraction of employees are using them, finds research from Willis Towers Watson.

Shorter term Treasury Inflation Protected Securities — those with a bond maturity of zero to five years — do a better job of controlling inflation in a target-date fund than mid-term or long-term TIPS, according to SEI.

Even with disclosure rules in place, it is sometimes hard for plan sponsors to discern the fairness of the fee structures in their retirement plans.

To improve employees’ long-term finances, encourage plan sponsors to look past typical 401(k) metrics and concentrate on a comprehensive approach to financial services.

Challenges include vetting vendors with programs that can help while navigating regulatory, tax questions, says Willis Towers Watson’s Randall Abbott.

To help improve employees’ financial prospects post-work, plan sponsors should look beyond the typical metrics of 401(k) contribution and participation rates and concentrate instead on a comprehensive financial wellness approach.

As co-founder of Captain401, he launched an online platform that helps small businesses quickly and easily set up 401(k) plans.

Challenges include finding and vetting vendors with programs that can help and navigating regulatory and tax questions, says Willis Towers Watson’s Randall Abbott.

The DOL’s April 2017 deadline means employers should start familiarizing themselves now with their responsibilities under the new regulations.

As co-founder of Captain401, Lee launched an online platform that helps small businesses quickly and easily set up 401(k) plans.

The DOL’s April 2017 deadline means employers should start familiarizing themselves now with their responsibilities under the new regulations.

Nearly half of U.S. workers have no retirement savings, so plan sponsors should embrace auto-enrollment and online education and advice, says adviser Robert Lawton.

A closer reading of it sends a clear signal to plan sponsors that they should aim to keep participants invested in a qualified defined contribution plan throughout their working lives.