Tag: Participants

Americans in Physical Jobs Have High Retirement Hopes

The high stated retirement confidence of physical workers reflects the fact that the sample is relatively young and majority male, according to Aegon researchers, who also say that employers with predominantly physical workers can do more to boost their true retirement readiness.

Art by Dalbert B. Vilarino

Gen Xers Should Consider Sequence of Returns Risk

The recent bouts of equity market volatility highlight the importance of balancing portfolio growth aspirations with the need to protect what has already been accumulated; Generation X faces a difficult task in balancing short- and long-term financial priorities.
Art by Hye Jin Chung

Strategies to Manage Retirement Plan Loans

Enshrining these in a well-crafted loan policy statement can help plan sponsor clients take control of leakage and excess early withdrawals; like any stated compliance policy, what is written must be followed.

DC Plan Jargon Stymies Participant Success

The term “glide path” resonated with only 4% of participants surveyed by Invesco, despite being the most common term used by advisers, providers and plan sponsors when talking about target-date funds; survey data shows numerous other areas where industry jargon holds back participant understanding. 

Bull and Bear Market Fundamentals for Participants

All too often, participants are focused on what markets have done in the last several months or years, and they get away from remembering the basics of long-term investing and saving.

Social Security Uncertainty Must Inspire Concerted Action

Commenting on new Social Security deficit projection figures published this week, Rob Fishbein, corporate counsel at Prudential Financial, says it’s not time to hit the panic button yet—but it is time to take very seriously the retirement income challenge individuals face.

Franklin Templeton Report Tackles 529 Plan Myths

As of the first quarter, more than $1.5 trillion in student loan debt was outstanding, triple the amount in 2001; with these figures in mind, Franklin Templeton researchers have highlighted the opportunities presented by 529 plans.