Retirement income

The shift away from pensions means “double disadvantages for the less educated,” a study finds.

The America Saves program encourages people of modest incomes to save and build wealth. The group’s director of investor protection Barbara Roper explains why employers should get involved.

Employers are still reluctant to offer insurance-backed products, says Willis Towers Watson consultant Bill Dewalt.

The insecurity is leading to numerous opportunities for plan sponsors to engage employees in planning.

How employers can promote positive actions regarding financial wellness in the digital age.

Millennials and baby boomers fret over how they will pay for their golden years and are eager for answers from employers.

Plan sponsors need to be especially focused on not only the expenses they pay, but also how they pay them, says columnist John Ludwig.

Employer anxiety about offering you a 401(k) plan is rising rapidly, and for potentially good  and expensive  reasons. Class-action lawyers are targeting a wider variety of alleged breaches of fiduciary duty in retirement offerings and suing a broader range of entities, including college and university 403(b) plans.

Employers are still reluctant to offer insurance-backed products, says Willis Towers Watson consultant Bill Dewalt.

When millennials are asked, they say retirement is a top priority. Millennials even put saving for retirement well ahead of student loans, credit card debt and job security.

College has gotten so expensive that it's weighing on even the parents of third-graders, threatening to leave them too debt-saddled to retire.

As has been well-documented, the federal program is in danger. So what kinds of changes will be required to keep these benefits afloat?

The Dallas Police and Fire Pension System, once applauded for a diverse investment portfolio that included Hawaiian villas, Uruguayan timber and undeveloped land in Arizona, finds itself needing to dig out of a deep hole.

A MassMutual marketing campaign promotes 401(k) savings with pictures of cats and dogs.

Companies are beginning to shift resources toward benefit adequacy as worries mount about employees’ ability to prepare for life after work.

Companies are beginning to shift resources toward benefit adequacy as worries mount about employees’ ability to prepare for life after work.

A MassMutual marketing campaign promotes 401(k) savings with pictures of cats and dogs.

Company after company has repudiated traditional pensions, pushing younger workers into 401(k)-style retirement plans. For diligent savers, a 401(k) can accumulate a big balance, but when the time comes to start using it, things will get a lot more complicated than it was for their parents.

When addressing plans for life and finances after work, employers should focus their message to specific age groups, OneAmerica research suggests.

As the fiduciary rule creates challenges to old ways of growing retirement assets, it’s time to consider another source of growth: portability solutions.