Opinions
Opinions |
Why Do Small Businesses Rarely Claim Tax Credits for Offering Retirement Plans?
According to the authors of a recently published paper, a lack of awareness—among both firms and their tax preparers—continues to limit take-up of SECURE Act tax credits.
Opinions |
To Level the Retirement Playing Field, Expand CIT Access to 403(b) Plans
Bringing collective investment trusts to 403(b) participants could generate another $500 million annually in retirement wealth, a Vanguard research executive writes.
Opinions |
Why Call Them Alternatives? Especially When it Comes to Asset Allocation
A former director of the PBGC writes that it is time for new language and a new approach toward private market assets as retirement plan investments.
Opinions |
What Do Hidden Fees Really Mean in Your Health Plan? A Wake-Up Call for Employers
Amid growing evidence that hidden fees are embedded in health plans, plan sponsors are required to adopt best practices to identify and manage them, writes a fiduciary consultant.
Opinions |
How to Better Support Women in Retirement Planning
Charles Schwab’s managing director for retirement plan services shares key insights for plan sponsors and consultants.
Opinions |
Retirement Income in DC Plans: The Way Forward
Two NEPC executives provide perspective and practical tips on the retirement income landscape.
Opinions |
Cracking Open the Annuity Dilemma
Exploring factors plan sponsors can review when evaluating lifetime income options.
Opinions |
Addressing the “Alternative Investment Gap” in DC Plans
A strategist for PGIM DC Solutions reviews how including alternatives among defined contribution plan investments can affect retirement outcomes, and what to consider.
Opinions |
How Plan Sponsors Could Unknowingly Violate ERISA
By rolling left-behind funds into fee-based safe harbor IRAs, plan sponsors could hurt former employees’ finances and open themselves up to litigation.
Opinions |
Rethinking Retirement
How a SECURE 2.0 provision can protect and reinvigorate plan participation, write leaders from the Voya Behavioral Finance Institute for Innovation and Commonwealth.
Opinions |
Dementia’s Financial Toll: How Losses Can Often Predate the Diagnosis
Experts from the MIT AgeLab explore the financial costs of dementia and how they manifest.
Opinions |
Don’t Forget Decumulation: 3 Key Pillars for an Effective Retirement Income Solution
Each pillar is key to building a robust retirement offering that not only meets fiduciary standards but can also help enhance employee satisfaction and retention, writes a Morgan...
Opinions |
Recordkeepers Are the Key to PSN Auto-Portability
How PSN works to help job changers with small retirement account balances and why it operates as it does.
Opinions |
Designing for Diverse Needs: Evolving Investment Menu Perspectives in DC Plans
A review of key influences on menu design, offering a framework for plan sponsors and industry professionals to consider as they build menus that are effective, responsive, and...
Opinions |
DOL Cybersecurity Guidance and Health and Welfare Plan Gaps
All benefit plans must follow the U.S. Department of Labor’s cybersecurity guidance, not only retirement plans, writes a partner at Alston & Bird.
Opinions |
Selecting an OCIO: What Every Organization Needs to Know
The right provider will bring education and insight that enable institutional asset allocators to make confident investment decisions.
Opinions |
Exploring Alternative Investment Vehicles in Employee-Sponsored Retirement Plans
Options such as collective investment trusts and institutional separate accounts have gained traction in recent years.
Opinions |
How Plan Sponsors Can Benefit in the Evolving 401(k) Competitive Landscape
The key factors that differentiate between recordkeepers are changing, which means companies should adjust their requests for proposals accordingly.
Opinions |
Let’s Help People Save Seamlessly Over a Career
Employers can significantly enhance workers' retirement savings by making savings rates portable, shortening eligibility and vesting timelines, and improving choice architecture at job terminations, says Vanguard’s Fiona Greig.