Opinions |
Time for SECURE 3.0
America has a retirement crisis, and SECURE 2.0 takes some important steps to address it, but they are not enough.
Tag: defined contribution (DC) plans
DCIIA Announces Three New Advisory Councils
New advisory councils will expand DCIIA’s research and engagement into defined contribution retirement plans.
Plan Sponsors Are Looking for More Guidance on Guaranteed Income Solutions
Sponsors want to offer guaranteed income solutions, but they are worried about the potential for additional fiduciary risk to the...
Benefits |
Report Shows Different Spending Patterns by Retirement Plan Type
The research demonstrates that public-sector workers tend to feel safer spending more when they have a defined benefit retirement plan...
Financial Stress Increases the Need for Participant Communications
Knowledge of the challenges participants are facing creates opportunities for advisers to connect.
Opinions |
Personalization and the DC System
A typical platform might use age and salary to generate investment recommendations. What additional factors could lead to more customized...
Considering Multiple QDIAs
Using dynamic qualified default investment alternatives can create opportunities to engage with participants as they transition from target-date funds to...
Funding the Future Self
To their detriment, plan participants often fail to opt in to in-plan financial advice—but that may be changing.
Products |
DCIIA Publishes Resource for Introducing a Retirement Tier in DC Plans
A new series of papers aims to provide plan sponsors a framework for supporting near retirees and retirees in preparing...
Benefits |
States Stepping Up With Private Retirement Savings Plans
New offerings aim to benefit the estimated 57 million U.S. workers who do not have access to employer-sponsored plans.
Target-Date Funds Continue to Be Popular Among Younger 401(k) Plan Participants
Research on 2019 dataset from EBRI/ICI database finds the bulk of assets overall were invested in stocks.
Fidelity’s Bitcoin Launch Plan Rebuked by DOL
The acting assistant secretary for the Employee Benefits Security Administration has ‘grave concerns’ about Fidelity’s bitcoin 401(k) offering.
Receipt of a Power of Attorney for a Plan Participant
Experts from Groom Law Group and CAPTRUST answer questions concerning retirement plan administration and regulations.
Opinions |
Real Estate in DC Plans: Key Considerations
Lew Minsky, with DCIIA, reviews questions defined contribution plan sponsors should ask when considering real estate investments for their plans.
Spousal Protections in DC Plans Eyed by Key Senators
Lawmakers have asked the Government Accountability Office to study the need for greater spousal protections in defined contribution retirement plans.
Strategies to Simplify DC Plan Investment Menus
Plan sponsors can use a layering approach and white labeling to help defined contribution plan participants select investments.
Study Shows the Value of DC Plans for Employees
An ICI survey also found defined contribution plan participants want to maintain control of their investments. Fortunately, most plans offer...
Products |
Fidelity Introduces Tool to Help Employers Measure Benefits Equity
It examines benefits across all four domains of total well-being: health, life, work and financial.
Alternatives May Have a Place in DC Plans
DCIIA provides potential next steps for defined contribution plan sponsors to incorporate alternative investments into their plans, with considerations for...
DC Plans Use Pension Features to Improve Retirement Outcomes
DC plans are taking on more and more features that primarily used to be associated with defined benefit plans, to...