Retirement planning

The sheer number of modest, inactive 401(k)s — along with the friction in the industry that makes it difficult to seamlessly transfer the balances from plan to plan as participants change jobs — is causing a lot of undue stress.

Employees often don’t save enough, and few utilize auto-escalation.

A new survey looks at trends in fees and investment options — and shows there’s lots of room for improvement.

Plan sponsors must continue to offer automatic plan features and do a better job of vetting target-date funds.

With the goal of improved participant outcomes, a simplified approach using straightforward language could be more attractive to employees.

A U.S. District Court has ruled that Edison International failed in its fiduciary duty by including high-fee retail share mutual funds in its 401(k) plan when lower-fee institutional ones were available.

Pre-retirees should have Medicare or health insurance in place to cover their medical costs, along with a well-maintained investment portfolio.

Retirees who under-reported their income to avoid taxes will also get smaller retirement benefits than they deserve.

Retirees who under-reported their income to avoid taxes will also get smaller retirement benefits than they deserve.

Retirees should weigh a number of factors, including the fact that the closing costs for reverse mortgages are higher than those for regular mortgages.

A holistic approach to regulations that impact defined benefit plans is the only way to ensure employees are secure in their post-work years, says the ERISA Industry Committee.

Retirees should weigh a number of factors, including the fact that the closing costs for reverse mortgages are higher than those for regular mortgages.

Ron Surz, president of Target Date Solutions, sounds off on the TDF index he created and the fiduciary obligations plan sponsors face in retirement plan fund selection.

IRA investors should consider implementing a charitable lead annuity trust when converting some of their funds into Roth to mitigate the tax bite.

When making retirement updates, plan sponsors should consider fees, features and fiduciaries.

IRA investors should consider implementing a charitable lead annuity trust when converting some of their funds into Roth to mitigate the tax bite.

Young savers from decades past focused more on company stocks compared to their counterparts of today.

Young savers from decades past focused more on company stocks compared to their counterparts of today.

A holistic approach to regulations that impact defined benefit plans is the only way to ensure employees are secure in their post-work years, says the ERISA Industry Committee.