Retirement readiness

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.

During an M&A, figuring out what to do with the retirement plans can sometimes be an afterthought, but it doesn’t need to be, says State Street’s Nate Miles.

A closer reading of it sends a clear, if unstated, signal to plan sponsors that they should aim to keep participants invested in a qualified defined contribution plan throughout their working lives, according to Retirement Clearinghouse’s Spencer Williams.

Consumer prices may be relatively stable overall, but healthcare costs for people 65 and over are rising rapidly.

During an M&A, figuring out what to do with the retirement plans can sometimes be an afterthought, but it doesn’t need to be, says State Street’s Nate Miles.

For workers looking at life post-career, steady income is more important than return on investment.

An RFP, along with fee negotiation and benchmarking exercises can often result in significant annual savings for plan participants, according to USI Consulting Group’s Mark Sarlo.

Employers looking to minimize DB program risks should consider market-return cash balance plans, according to October Three Consulting’s Larry Sher.

DC plan sponsors should be thinking about where they are going to find alpha, says BlackRock's Anne Ackerley.