The problem with Sequence of Return Risk is that there’s no way of knowing if you’ll experience it. It’s a roll of the dice. The best way to avoid this risk is to prepare as if it were going to happen.
The post 5 Steps 401k Plan Sponsors Can Use To Better Align Plan Education With Plan Participant Priorities As It Relates To Risk appeared first on FiduciaryNews.
It’s not a simple matter of flipping a switch and allowing cryptocurrencies in plans. Because these are alternative investments, the plan sponsor will need to learn enough about them to make an informed decision.
The post Is Allowing Bitcoin in Retirement Accounts Dangerous For The 401k Plan Fiduciary? appeared first on FiduciaryNews.
It’s not just plan sponsors and plan participants that need convincing. The entire retirement plan infrastructure must also get on board. That doesn’t mean the hurdles can’t be overcome.
The post How Does Embedding Retirement Income Into A Target Date Fund Work? appeared first on FiduciaryNews.
Depending on what the plan sponsor decides to place on the 401k menu, plan participants might have an easier time dealing with making investment choices to battle the ravages of inflation.
The post Inflation Fears: What Should 401k Plan Fiduciaries And Participants Do? appeared first on FiduciaryNews.
But that idea contained a flaw. In the early years, limited choices made it easy for employees. The proliferation of the number of options in later years, however, exposed the lack of sophistication within the employee cohort. That can lead to bad decision-making. Alternative solutions were needed.
The post 401k Fiduciary Can Of Worms: Managed, Self-Directed, And TDFs! Oh, My! appeared first on FiduciaryNews.
The conflicts-of-interest inherent in selecting proprietary funds are apparent. Less so are the criteria used to determine what a suitable process might be.
The post After Supreme Court Ruling, Are TDFs A Ticking Time Bomb Of Fiduciary Liability? appeared first on FiduciaryNews.
Normally, interest rates rise with inflation. In turn, bond rates rise with interest rates. But that hasn’t happened. In fact, short rates remain at historic lows. This means folks sitting in money markets or “safe” government bonds (and bond funds) are seeing their retirement savings eroded away.
The post 401k Retirement Plan Fiduciary Risk & Bonds vs. Bond Funds During Rising Inflation appeared first on FiduciaryNews.
There’s not a sin in listening to radio shows sponsored by those selling gold and silver. It’s quite another thing to actually act on their “recommendation.”
The post Are Fiduciary Risks Worth Putting Commodities In Retirement Plans? appeared first on FiduciaryNews.
If the numbers don’t add up for annuities (or anything else, for that matter), where is the demand for these products coming from?
The post The Good, The Bad, And The Ugly On Annuities In 401k Plans appeared first on FiduciaryNews.
Today, in reading some of the headlines, you’d think they’re greater than sliced bread. They may be. They may not be. Still, there are differences, and 401k plans sponsors would benefit from practicing the utmost in due diligence when determining if CITs are the right fit for their plan.
The post 5 Key Due Diligence Differences Between Analyzing CITs Risks And Analyzing Mutual Fund Risks Every 401k Fiduciary Must Know appeared first on FiduciaryNews.
