PLANADVISER Weekend Newsdash
Week ending September 6th, 2019

Solving the retirement income challenge is so difficult because plan participants all have different longevity expectations, different beliefs about how they would like to live in retirement, and different conclusions about how to weigh longevity risk versus the risk of under-consumption. Making matters even more difficult, survey data shows that plan sponsors are not necessarily thinking strictly about annuities when contemplating the addition of an in-plan retirement income option.

The Decumulation Challenge
Annuities Are Potentially More Useful Today Than Ever
Anxiety about turning DC plan assets into a “lifetime retirement paycheck” in such a low-rate environment is keeping aging Americans in the workforce—including many who very likely have enough money saved to retire comfortably and don’t want to keep working. Read more >
A New Normal? Time To Recheck Interest Rate Assumptions
Among the remarkable characteristics of today’s global fixed-income marketplace is the $15 trillion invested in negatively yielding bonds. Read more >
Addressing Participant Longevity
Plan design and advice will both be key as retirees aim for age 100. Read more >
Rollover Mechanics and the Most Common Mistakes
Besides failing to invest the money within the IRS’s 60-day window—the most common mistake according to the experts—another frequent error impacts those who cash out of their workplace retirement plan. Read more >
A Crash Course in Social Security Maximization
Cost of living increases, claiming age, marital status and work history all complicate Social Security claiming strategies. Read more >
MOST POPULAR STORIES
Retirement Plan Cybersecurity the Issue in a New Lawsuit

A retirement plan participant who had $99,000 stolen from her account has sued the plan sponsor and plan providers.

Retirement Income Coming Soon to a 401(k) Near You
Experts believe that in the next few years, DC plan sponsors will embrace this option.
The Four Possible Paths for Senate SECURE Act Passage

There are several potential paths forward for the SECURE Act, which remains stalled in the U.S. Senate despite is bipartisan appeal.

Plugging the Leak: Uncashed Distribution Checks
Drip… drip… drip. The slow drip of defined contribution plan leakage continues.
While Popular, Default Electronic Delivery of Plan Documents Irks Some

Retirement plan service providers generally support making electronic delivery of documents the default, but print communication industry organizations and some consumer groups say the paper default should remain.

Editorial: Alison Cooke Mintzer alison.mintzer@strategic-i.com

Advertising: advertise@strategic-i.com

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