Data and Research

Savings level, not age, is the trigger for retirement for wealthy pre-retirees, and very few worry about outliving their assets.

Retirees' perceived quality of life decreases.

The American Enterprise Institute questions the benefit of automatically enrolling low-income workers into state-run IRAs.

Researchers first found that introducing a longevity income annuity into the DC plan investment menu is attractive to the majority of plan participants.

The key to helping Gen X is to try to banish apathy, according to new FICO research. 

They are either maxing out the IRS maximum contribution limit on 401(k)s or contributing 90% of the max or more.

Ninety-six percent of HSA holders invest their money in cash, EBRI finds.

An analysis by the EBRI found that HSA-eligible plans may become more attractive as health insurance premiums are lowered or eliminated.

Lincoln found those who are successful with their goals don’t sacrifice savings.

As the nation moves more to a “gig” economy, the question becomes: How can we prepare part-time employees for a financially secure retirement?

This is prompting employers to ask their benefits brokers for new and innovative solutions.

The idea seems to be to help employees establish better tax-diversity in their retirement holdings—as well as more controlled and rational ways of spending down their collected wealth...

TDFs typically address risk by switching to fixed income as opposed to equity as a participant ages, but a closer look under the hood can reveal deeper insights...

However, many cite obstacles to saving for retirement.

More retirement plan sponsors are offering participants the opportunity to make Roth contributions and utilizing auto features to a degree of success, according to a report by T....

In addition, smaller companies that do sponsor a retirement plan for employees cite reasons for not using automatic plan features.

Although more Millennials than other generations reported having a written financial plan, some of their immediate money habits do not coincide with long-term planning, Charles Schwab finds.

443 plan sponsors were surveyed throughout May 2017 in the latest report. 

According to a survey by the American College of Financial Services, 74% of respondents failed a 12-question retirement income quiz.

BMO has issued a report giving details on participation rates, deferral rates, account balances and more.