Data and Research

Logic would dictate that retirees would shift their retirement savings to annuity products, but this has yet to happen, a research paper says.

Workers are still mainly unaware of the long-term tax-free growth health savings accounts (HSAs) can generate. 

 

More than half do not think their performance figures are completely accurate.

According to Chatham Partners, plan providers may be at risk of losing their clients.

While 81% of respondents to a survey feel optimistic about their financial futures, only one in five feel “very prepared” for retirement.

Fewer than 10,000 of Vanguard’s 3.6 million participants use the brokerage option.

Financial constraints are also causing many to delay a wide number of major life events.

The funds need broader asset allocation and open architecture, according to the investment firm.

More younger savers have increased their retirement contribution in the past year.

Only 7% of plan sponsors answering a J.P. Morgan survey have previously conducted a re-enrollment. 

Just how much they would help depends on several factors, EBRI finds.

Retirement plan participants seldom engage in too-frequent or inappropriately coordinated trading.

Hispanic workers polled by MassMutual revealed a concerning lack of knowledge about Social Security.

Most Americans look for a retirement plan when considering a job offer, yet only 50% of employers offer one.

What can the U.S. learn from other countries’ preparations?

These separately managed investment accounts are built around each participant’s asset profile and individual circumstances.

The retirement plan industry shows little sign of dropping its focus on fees and lowering the cost of investing.

Fees and investment lineup are the primary motivators in the decision to keep or replace a recordkeeper.

Current retirees are less stressed about finances and provide examples of additional preparation steps.

A rigorous new study out of George Mason University takes a strong positive stance on using lifetime annuities over structured withdrawals.