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week ending January 3rd, 2020
For defined contribution (DC) plans, the proper asset allocation is important for retirement savings outcomes. Since a large number of DC plan participants are invested in target-date funds (TDFs), that’s one reason TDF providers are considering different types of investments in the underlying portfolios. For DC plan participants who choose investments on their own, the presentation of the investment lineup can have an effect on whether they implement the right portfolio. The challenge of lower assumed returns and the low interest rate environment is also leading defined benefit (DB) plan sponsors to consider diversifying from the traditional liability-driven investing (LDI) portfolio. In this edition of PLANSPONSOR Weekend, we offer insights on optimal asset allocations.
Editor's Choice
Administration
Proper Asset Allocation Often Overlooked, Sibson Says
The right allocation could boost returns over a person's career by as much as 34%, the consulting firm says.
Investing
Updating TDFs to Provide Better Retirement Income
Three ideas for a qualified default investment alternative (QDIA) design that will better serve participants ready to retire.
Investing
Private Equity Could Boost DC Plan Participant Returns
Research finds including private equity in balanced and target-date funds offers return and diversification benefits.
Data and Research
Researchers Find Bias When Retirement Funds Listed Alphabetically
Retirement plan participants tend to select funds placed in the first positions on a list, so rather than ordering the investment menu alphabetically, researchers suggest placing lower-cost or lower volatility funds near the top to help participants.
Investing
What DB Plans Can Learn From Insurance Companies
Insurance companies take on pension risk, so why wouldn’t DB plan sponsors take lessons from insurer’s investment strategies?
Popular Reads
Compliance
CARES Act Passes Congress, Including Retirement Plan Relief
Plan sponsors who have faced regional natural disasters will be familiar with many of the relief provisions adopted by Congress, from the suspension of required minimum distributions to the doubling of loan limits.
Compliance
Retirement Plan Provisions Included in Senate’s Stimulus Package
Among other things, the bill would allow for targeted, penalty-free access to tax-qualified accounts for those hit hardest by the health crisis.
Administration
Plan Sponsors Facing Difficult Decisions During Coronavirus Pandemic
Stopping employer matching contributions, laying off employees, adjusting DB plan contributions; plan sponsors need to understand the effects of each decision.
Ask the Experts
Coronavirus-Related Distributions From 403(b) and Governmental 457(b) Plans
Experts from Groom Law Group and Cammack Retirement Group answer questions concerning retirement plan administration and regulations.
Compliance
Tax Filing Relief Adds Time to Contribute to Benefit Plans
Individuals have more time to contribute to IRAs and HSAs, and employers have more time to contribute to their retirement plans.
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