Investment Management
Retirees face many financial risks, such as outliving their money, investment losses and unexpected health expenses—but a new study finds that they may be overestimating some risks while underestimating others, writes Ted Godbout in MarketBeat.
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One of the keys to financial security in retirement is behavior; in particular, before retirement—and the earlier the better. According to John Iekel in MarketBeat, that was the underlying message of an expert panel in a webinar concerning retirement readiness.
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A federal appellate court has backed the dismissal of an excessive fee suit, rejecting the notion that offering actively managed funds—even those with disappointing performance—by itself doesn’t support allegations of a fiduciary breach.
Interestingly enough, it’s the first such appellate court...
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Based on updates to the Department of Labor’s Spring 2022 regulatory agenda, it appears that stakeholders will have to wait a little longer for the agency’s revisions to the definition of fiduciary, as well as final guidance on ESG-based factors.
Fiduciary Rewrite?
The latest regulatory agenda...
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Tech Talk discusses the service providers with which 403(b) sponsors work to handle one or more aspects of managing the plan.
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Thanks in part to the growth of collective investment trusts (CITs) and a rebound in investor contributions, total assets in target date strategies grew to a record high in 2021.
CITs apparently are on pace to overtake mutual funds as the most popular target-date vehicle in the coming years,...
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A new analysis by PGIM looks at how participants responded, particularly considering the significant structural changes in the DC space since the last major market shock in 2008.
More specifically, the firm set out to understand both the impact of professionally managed portfolios and in-plan...
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Amid demographic shifts, economic challenges and a global pandemic, a new study finds that many financial planners are underestimating their clients’ financial anxiety.
On average, financial planners thought financial anxiety affected about half (49%) of their clients. However, nearly three-...
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While Americans worried most about the impact of the COVID-19 pandemic in 2021, they now see rising inflation as the biggest risk to their retirement plans.
According to Allianz Life’s annual New Year’s Resolutions Study, nearly half (48%) of respondents identified the pandemic as the most...
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Institutional investors are expressing confidence in the projected market conditions of 2022, but they also think individual investors are carelessly speculating on high-risk investments.
In fact, nearly half of institutional investors expect economic growth to return to pre-COVID levels in 2022...
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When it comes to 403(b) plans of California school districts or charter schools, there is confusion about the ability of the sponsoring district or charter school to limit the participant’s ability to select a particular insurance provider for their tax-sheltered annuity (TSA).
On the one hand,...
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Tech Talk addresses what information should be provided to participants to help them make informed decisions regarding investment options.
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New proposed legislation by the chairman of the Senate Finance Committee would expand the pass-through deduction under Internal Revenue Code Section 199A and might be of some help to plan advisors, but it also would curtail the deduction for so-called upper-income clients.
The Small Business Tax...
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CalSavers, the retirement plan the state of California provides for employees whose employers do not provide one, showed strong growth in some respects in June but held steady in others.
The CalSavers Retirement Savings Board reports that the number of employer registrations increased at double...
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Tech Talk suggests some factors beyond what to contribute to a retirement account that a participant should consider.
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Most people remain hesitant to invest in cryptocurrency in their DC plans, but a recent survey finds that there’s a small “crypto-curious” contingent.
With the increased attention of cryptocurrency, Stan Treger, behavioral scientist at Morningstar, notes that analysts at the firm began to wonder...
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The study of history is a passion of mine, and while it seems a bit trite, the old adage that those who don’t remember the past are doomed to repeat it seems more apropos by the day. Regardless, I never cease to be touched by the experience of walking the grounds where famous individuals or great...
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The Department of Labor (DOL) on June 23 announced that it is reopening the comment period for amendments to class exemptions from prohibited transaction rules set forth in ERISA and the Internal Revenue Code. The proposed amendments, which were originally proposed in 2013, are relevant to certain...
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While most Americans tend to show some form of behavioral bias, a study finds that higher bias levels correlate directly with worse financial outcomes across a wide range of domains—from 401(k) balances to self-reported credit scores—writes Ted Godbout in MarketBeat.
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Publicly traded companies would be required to disclose to shareholders certain environmental, social, and governance (ESG) metrics under legislation narrowly approved by the House of Representatives.
The House approved the Corporate Governance Improvement and Investor Protection Act (H.R. 1187) ...
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