In Practice
PSNC 2013: Metric Taking
Participation rate may be a common standard for plan sponsors when they look into the benchmarking process, but not many would say it is a sufficient—or even very...
Maybe All the Eggs Belong in One Basket
A white paper on asset consolidation from Principal Funds highlights opportunities for investors and financial advisers.
PSNC 2013: Up at Night
Are you afraid of the dark? Plan sponsors have many concerns about their retirement plans and participants that could keep them up at night.
Families Avoid Money Talk at Their Own Risk
Avoiding discussions about money is a risk factor for retirement savings, according to MFS Investment Management.
PSNC 2013: Participant Behavior and What It Means to Maximize It
Engaging employees in their retirement plans involves simplicity, connection and accurate diagnosis.
PSNC 2013: Inside or Out?
Should retirement income products be offered inside defined contribution (DC) plans or as rollover solutions?
PSNC 2013: 401(k)s Under Attack: I Don’t Get It!
The 401(k) industry continues to undergo scrutiny and criticisms—many of which are unfounded.
They Save But They Don’t Plan
Chinese Americans are great at saving, according to research from Wells Fargo, but fewer than half of survey respondents have a written financial plan.
Blowing Off the Personal Budget
Two thirds of Americans just don’t bother. Preparing a detailed written or computerized budget each month to track income and expenses, that is.
Adviser Optimism Inches Up in May
After a pessimistic April, advisers showed more inclination to think positively about the economy and markets, according to WealthManagement.com’s Advisor Confidence Index.
Even More Retirees Coming After Baby Boomers
The number of Americans reaching age 65 each year will continue to grow beyond the Baby Boomers, according to a trend analysis from LIMRA.
Are Storm Clouds Gathering on the Fixed-Income Horizon?
Long thought to be an investment with a guaranteed return, traditional fixed-income products have an upside/downside ratio that is unsustainably low, a white paper warns.
Motivation Key to Better Saving Behaviors
Tools and services focused on employee motivation will lead employees to take effective action to save for retirement, a research paper contends.
Americans Closest to Retirement Feel Unprepared
While people are optimistic and confident in numerous areas, a survey found concern, worry and a sense of unpreparedness on several financial fronts.
Progress, Hurdles Continue for African Americans
Light on retirement savings and burdened with student debt, African Americans continue making financial progress, according to the follow-up to Prudential’s 2011 study.
Marketing for Advisers: It’s All About Trust
A successful client/adviser relationship is 50% about investments and 50% about trust, according to Stacey Haefele, CEO of HNW, a marketing and technology firm.
Aspen Briefs Congress on Retirement, Financial Security
The Aspen Institute presented a briefing to Congress last week on retirement and financial security.
How to Combat the 401(k) Loan Problem
Many 401(k) retirement plans allow participants to borrow from their accounts, which can lead to defaults and inadequate retirement savings.
Higher Education 403(b)s An Opportunity for Advisers
As 403(b) plans continue to evolve, there are still ample opportunities for plan advisers to help plan sponsors improve their plans and processes.