Roth 401(k)

When designing a retirement plan, participant investment advice, online education and automatic features must all be considered, says adviser Robert C. Lawton.

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

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.

Plan sponsors and advisers are still able to provide generic facts about retirement savings and 401(k) plans without being subject to the DOL’s new rule.

The savings option is growing in popularity as part of a prudent capital allocation strategy, says financial adviser John Ludwig.

Why this savings option is growing in popularity as part of a prudent capital allocation strategy

Many plan sponsors and participants don’t trust the federal government to keep its vow to allow tax-free distribution of Roth 401(k) balances. But taxing balances would not produce enough revenue, so the government is unlikely to go that route.

Many plan sponsors and participants don’t trust the federal government to keep its vow to allow tax-free distribution of Roth 401(k) balances. But taxing balances would not produce enough revenue, so the government is unlikely to go that route.