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week ending November 6th, 2020 With large swings in the equity market and low interest rates, many retirement investors are confused about where to put their money. Plan sponsors can help by providing the right education and by continually evaluating the investments in their portfolios or those offered to participants. This edition of PLANSPONSOR Weekend offers information to help plan sponsors with these activities. Have a great weekend! Editor's Choice Investing Steps for Creating an Effective IPS While not required, a road map for investment selection and monitoring is a best practice, and sources now say the more detailed, the better. Investing Plan Sponsors Should Be Extra Vigilant During Severe Market Volatility For both DB and DC plan sponsors, fiduciary actions follow a different time frame when there is a sustained market crisis. Investing Talking Points to Help Participants Navigate Market Volatility Certain concepts should be communicated clearly to retirement plan participants so they don’t make decisions that may hurt their retirement readiness. Investing Rethinking Portfolio Strategies for DB Plans What strategies should plan sponsors consider for reaching their goals in the new market environment? Investing Promising Investment Opportunities Exist Small-cap stocks and distressed debt are among places investment managers said investors should turn in the post-COVID-19 environment. Investing Revisiting the DOL’s 2013 TDF Tips Even as target-date funds evolve, the Department of Labor’s guidance for selecting and monitoring the funds is still relevant. Popular Reads Data and Research The Growing Interest in Guaranteed Income Options As employers begin to question the effectiveness of target-date funds as a retirement spending vehicle, interest in guaranteed lifetime income has grown. Research 2021 Recordkeeping Survey Data and Research Emergency Savings Programs Boost Retirement Outcomes A report from DCIIA and Commonwealth suggests that emergency savings should be placed in an account that is distinct from funds intended for long-term retirement savings. Data and Research Health Care in Retirement Will Cost an Average of $315,000 Fidelity champions health savings accounts paired with a high-deductible health plan as a means of meeting workers’ rising health care costs in retirement.  Did someone forward you this newsletter? Sign up here to get PLANSPONSOR Weekend directly in your mailbox!

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