Choice of Social Security Calculator Matters
The same tool that is reliable for providing quick and simple Social Security estimates won’t be as helpful when subtler situations arise—and so picking the right benefit calculator...
Tag: Retirement Income
QDIA Development and Income Flexibility Key Trends in 2017
Product development and participant demands may open a wider door for retirement income solutions in the DC space, according to new research by Cerulli Associates.
Shift from DB to DC Resulted in Decline in Income Replacement
Retirement income as a percentage of wealth has declined as the employer-sponsored retirement plan landscape has been moved to mostly DC plans, a study finds.
Analysis Links State-Run IRAs With Medicaid Savings
A coalition of advisers and providers is making the case on Capitol Hill that dialing back DOL guidance supporting state-run retirement savings programs for private sector workers is...
Vanguard Recommends Plans Accommodate Retiring Workers
Allowing for partial withdrawals is among five tips the investment firm gives.
Can Real Estate Exposure Enhance DC Plans?
In the last few years, real-estate exposure has been gaining traction in the DC space; however, its potential for key benefits also poses several challenges.
Addressing Longevity a Crucial Issue for DC Plan Sponsors
DC plan participants need education about how much they will need to fund a 20- to 30-year retirement, and plan sponsors need education about the role of annuities.
Smart Beta May Support Long-Term DC Investors
Some suggest it is little more than a lack of awareness that has prevented a big rush by DC plans towards smart beta investing.
Facing Uncertainty With Laddered Fixed-Income Portfolios
Experts argue bond ladders can work in a rising rate environment and across a variety of unpredictable macroeconomic scenarios—allowing investors to continually readjust their fixed-income exposure.
Mercer 2017 Social Security and Medicare Guides Available
The guides reflect changes to the programs that were effective January 1, 2017.
Drug Costs A Key Factor In Retiree Health Care Cost Inflation
In the latest annual update of its retiree health savings analysis, EBRI found that the range of retiree health savings targets rose between 0% and 6% between 2015...
Investment Products and Service Launches
Janus Capital Releases Fiduciary Focused Share Classes; TIAA adds Guaranteed Income Components to TDFs; Virtus Launches Municipal Bond ETF; and more.
Simple Lifetime Income Products Best for DC Plans
Fixed income annuities and QLACs are easier for participants to understand than other products, a MetLife whitepaper says.
myRA Can Play Role in Lifelong Savings Effort
Uptake of the U.S. Treasury Department’s myRA savings program has been slow, but officials suggest tax time is “the right time to talk about saving with myRA.”
ERISApedia.com Adds Content About Social Security Claiming
The Social Security eSource will help advisers provide guidance to clients.
401(k) Plans Have Concerns About Guaranteed Income Products
Concerns expressed in a survey included fiduciary exposure, high costs and operational hurdles such as recordkeeping issues, among other things.
Generation X Faces Real Retirement Hurdles
“It definitely is a generation that was squeezed the most over the past 15 years,” says one expert, speaking of the challenges facing Generation X.
403(b)s More Likely to Offer In-Plan Income Products
The 2016 PLANSPONSOR DC survey also found 403(b) plans are also more likely than other DC plans to offer systematic distribution options in their plans.
Recent Retirees Still See Room for Optimism
Survey data shared by Spectrem Group shows “overwhelming satisfaction” among both recent and long-term retirees with respect to their personal and financial lives after work; many could have...