Topical Issues & Analysis
2011 Retirement Attitudes Survey - Attraction and Retention Value of Employers’ Benefits
This final report in a three-part series by towers-Watson provides insights into how reordered priorities among workers shape their decisions to take a new job.
Attraction and Retention Value of Benefits
Uploaded: April 17, 2012
2011 Retirement Attitudes Survey - Retirement Planning in a Post-Crisis Economy
This is the first in a three-part series of reports based on Towers-Watson’s July 2011 survey of current workers about retirement and healthcare benefits. In its fifth consecutive year, the survey encompasses responses from 3074 people about their employer-sponsored retirement and healthcare benefits. The initial report focuses on workers’ attitudes towards their household finances and retirement readiness.
Retirement Planning Post Economic Crisis
Uploaded: April 17, 2012
2011 Retirement Attitudes Survey - Workers Seek More Security from Retirement and Health Plans
This second report in a three-part series by Towers-Watson looks at the importance workers place on the economic security provided by employer-sponsored retirement and health plans.
Retirement and Healthcare Security
Uploaded: April 17, 2012
4th Quarter 2010 TRENDS – Noteworthy Developments for Employers Who Provide Health Coverage
This quarterly publication by Sibson Consulting, a division of Segal, provides a brief update of current issues affecting employer-provided health benefits.
Uploaded: November 4, 2010
A Brief History of Target Date Funds
This is the first in a series of articles from Target Date Analytics, LLC that seek to explain the whats and whys of target date funds in easy-to-understand language. In this inaugural article, authors Joe Nagengast and Craig Israelson trace the evolution and growth of target date funds from their beginning in 1994.
Uploaded: April 28, 2011
Affordable Care Act - Regulations on Appeals Process
This Hewitt Associates report discusses the regulations that the DOL and HHS released in August, 2010, covering the Federal External Review Process and the Model Notices the agencies provided.
Commentary - Regulations on Appeals Process
Uploaded: October 21, 2010
Affordable Care Act Implementation - Commentary on Federal Guidance Released in September
This Hewitt article adds clarity to guidance that HHS and the DOL have issued regarding grandfathered status, claims and appeals, dependent coverage to age 26, and out-of-network emergency services.
ACA - Commentary on September 2010 Implementation Guidance
Uploaded: October 21, 2010
Aon Consulting – Retirement Income Solutions for Defined Contribution Plans
This article identifies issues plan sponsors should consider when deciding whether and how to help participants with the income phase of retirement.
Uploaded: October 15, 2010
Aon Hewitt Summary of Final DC Participant Fee Disclosure
This report summarizes and comments on the DOL’s participant fee disclosure regulations released in October 2010.
Fee Disclosure - DC Participants
Uploaded: November 18, 2010
Applying Behavioral Economics to Improve Workforce Health and Organizational Outcomes
This article by Christopher Goldsmith of Sibson Consulting in Cleveland, Ohio, discusses how the principles of behavioral economics that are being used to address behavior-based problems in 401(k) participation can also be used effectively to encourage good decision-making by employees when it comes to selecting their healthcare benefits.
Improve Workforce Health with Behavioral Economics
Uploaded: February 3, 2012
April 2011 Issue Brief—EBRI Examines Employment-Based Health Benefits and Retirement Income Adequacy
EBRI’s April Issue Brief addresses two of the most timely issues in employer-sponsored benefits: employer-driven innovation in health benefits and the ability of employees to generate sufficient retirement. The publication also examines the future of employer-sponsored health care in the wake of PPACA and the November 2010 elections.
CDHP, Wellness, Retirement Income Adequacy
Uploaded: April 27, 2011
Are Target Date Funds a Bad Idea?
This is the second in a series of articles about target date funds from Target Date Analytics, LLC. In this piece, Craig Israelson and Joe Nagengast look at the criticisms leveled at these funds when so many investors near or in retirement lost significant amounts of money they had invested in 2010 target date funds. The authors make the case, albeit within certain bounds, for why they believe target date funds are a good idea.
Uploaded: April 28, 2011
Auto Enrollment – Public Plan Case Study
Retirement Made Simpler™, a coalition of the AARP, FINRA and the Retirement Security Project, issued this report on automatic enrollment in South Dakota’s defined contribution retirement plan. The report examines the background and passage of legislation that made auto enrollment possible and looks, as well, at the success the program has had in its early stages.
Auto Enrollment - Public Sector Plans
Uploaded: January 21, 2011
Automatic 401(k) Directory
Retirement Made Simpler™ has created a directory of employers who have implemented automated 401(k) features.
Uploaded: October 18, 2010
Automatic 401(k) Resources and Research
Retirement Made Simpler™ has compiled a large body of information and resources from various sources on automatic 401(k) plans, investment behavior and other retirement issues.
Uploaded: October 18, 2010
Automatic 401(k) Tool Kit from Retirement Made Simpler™
Retirement Made Simpler offers a free, step-by-step resource for plan sponsors who want to automate their 401(k) plans.
Uploaded: October 18, 2010
Automatic 403(b) Toolkit
Retirement Made Simpler™ has produced a robust toolkit to provide 403(b) plan sponsors with a step-by-step guide to implementing automatic features.
Uploaded: November 9, 2010
Cash Balance Renaissance
This September 2010 Milliman article discusses how a cash balance plan can prove to be more cost-effective for employers and more secure for employees. The plans share the characteristics of defined benefit and defined contribution plans. Under the structure described in this article, the cash balance plan provides a safe and conservative benefit that never loses principal.
Uploaded: January 21, 2011
Creating Portfolios That Confront Retirement’s Risks
The research report linked below by Ibbotson Associates, a Morningstar company, analyzes strategies that help retirees mitigate longevity risk and investment performance risk.
Longevity and Investment Performance Risk
Uploaded: February 3, 2011
DOL’s Final Regulations on Disclosure to DC Plan Participants
Sibson Consulting’s February 2011 Bulletin linked below examines plan-related and investment-related information that plan sponsors must provide to participants in self-directed DC plans.
Final Regulations - Participant Fee Disclosure
Uploaded: January 26, 2011
Dependent Eligibility Audits Unearth Hidden Health Care Plan Costs
The Aon Consulting paper discusses how to reduce health care costs by making sure your organization is only paying for those who qualify for your plan.
Uploaded: October 29, 2010
Does Anyone Care About the Financial Security of American Workers in Retirement?
This report by Aon Hewitt looks at the inadequacy of retirement savings among American workers and suggests that while workers need to bear the financial responsibility for their retirement, employers and government can help them improve their savings rate and overcome their financial knowledge gap.
Uploaded: November 26, 2010
Employment-Based Health Benefits and Taxation in an Era of Deficit Reduction
This July 2011 Issue Brief from EBRI looks at how elimination of favorable tax treatment of workers’ employer-provided health benefits would affect the health care system and the U.S. budget deficit. Currently, employer-provided health benefits are the largest tax expenditure in the U. S. budget, dwarfing the home mortgage interest deduction
Uploaded: March 13, 2012
Fact Sheet: U.S. Treasury Proposed Revisions to Broaden Lifetime Income Options in Employer-Sponsore
The U.S. Treasury Department issued guidance on February 2, 2012, intended to encourage lifetime income alternatives within employer-sponsored plans. The guidance proposes eliminating regulatory barriers that prevent or complicate the use of various types of annuities in both defined benefit and 401(k) plans.
Uploaded: February 13, 2012
GINA Regulations Curtail Health Risk Assessments
This October 2009 Benefits Alert from law firm Nixon Peabody discusses how the GINA regulations impose significant limitations on health risk assessments.
Uploaded: November 9, 2010
GINA Regulations Require Redesign of Wellness and Disease Management Incentives
This Bulletin from The Segal Company’s Sibson Conulting reviews the impact of federal regulations governing the use of genetic information on wellness and disease management plans.
GINA Regs - Impact on Wellness, Disease Management
Uploaded: November 9, 2010
Health Care Cost Trends, November 2010
This Aon Hewitt Bulletin draws on several of its data sources to identify health care cost trends over the last eight years. Among the findings: Employee contributions and out-of-pocket costs have more than tripled, from $1,229 in 2001 to a projected $4,386 in 2011.
Uploaded: December 29, 2010
Health Insurance Mandates in the States - 2010
The Council for Affordable Health Insurance released its 2010 report on state-by-state insurance mandates. The list includes mandates for: benefits, providers and covered persons together with an estimated cost each adds to premiums.
State-Mandated Health Benefits
Uploaded: November 10, 2010
Healthcare Financing Within the Employer-Sponsored System
This brief video by Milliman is a primer on how healthcare is financed under the employer-sponsored system. For those unable to view the video, a transcript is available.
Uploaded: January 17, 2012
Healthcare Reform in 2012: Blind Curves Ahead, Milliman Insight Article
This February 2012 article published in Milliman’s Insight lays out the various scenarios for healthcare reform, depending upon the Supreme Court’s anticipated ruling on the law in June or July of 2012 and the outcome of the presidential election in November.
Healthcare Reform's Prospects in 2012
Uploaded: March 6, 2012
Impact of EEOC’s Final Regulations on Health Risk Assessments and Wellness Programs
This report by Aon Hewitt reviews the final regulations issued in November 2010 and discusses the implications for health risk assessments and wellness/disease management programs.
Uploaded: November 16, 2010
Investment Implications of Structural Employment and Economic Shifts
This October 2010 edition of Segal’s Research Note discusses structural shifts in employment and the distribution of economic activity that can help readers assess the impact of changes in employment and economic activity on investment portfolios.
Investment Implications - Shifts in Economy and Employment
Uploaded: October 25, 2010
Look Before You Leap: The Unintended Consequences of Pension Freezes
This Issue Brief by the National Institute on Retirement Security finds that freezing a DB plan can lead to increased costs, reduced benefits or some combination of unintended consequences.
Uploaded: November 26, 2010
Managing Your Frozen Pension Plan: A New Paradigm
Changes in funding requirements and financial reporting have brought increased attention to frozen pension plans, as discussed in this Aon Hewitt article. Coupled with recent market turmoil, there is increased interest in finding better ways to move these single-employer and multiple-employer qualified plans to full funding.
Uploaded: October 15, 2010
MetLife Report —Remodeling the Benefits and Retirement Income Space
This excerpt from MetLife’s 9th annual study of employee benefit trends offers some very thought-provoking data. Among the findings: Three years into the recession, employee loyalty has eroded to the point that one in three employees is hoping to be working elsewhere in 12 months. Employers seem unaware of the looming problem. With little likelihood of a return to generous, pre-recession benefits, consideration needs to be given to restructuring benefits that create safety nets for employees rather than security blankets.
Employee Benefits and Retirement Income
Uploaded: April 27, 2011
Non-Qualified Deferred Compensation Resource
An online resource, MyNQDC.com, offers a wealth of educational information on non-qualified deferred compensation plans. Basic information, such as core concepts, types of plans and a glossary are available free of charge. Paid subscribers have access to the entire site.
Non-Qualified Deferred Compensation
Uploaded: January 13, 2011
Proposed IRS Regulations Allow Equity-Based Rates of Return for Cash Balance Plans
This report by Aon Hewitt analyzes the provision in the IRS’ October 2010 release of proposed regulations that allows plan sponsors to use equity-based crediting rates for cash balance plans.
Equity-Based Rate of Return - Cash Balance Plans
Uploaded: November 26, 2010
Retirement Readiness: What Difference Does a Pension Make?
This Issue Brief by the National Institute on Retirement Security reviews the evidence on the role DB plans play in ensuring that Americans are self-sufficient in retirement. It examines trends in pension coverage and points to possible areas of exploration for policymakers.
Pension Impact on Retirement Readiness
Uploaded: November 26, 2010
Saver’s Credit Toolkit
Retirement Made Simpler™ partner, the AARP, has developed toolkits for HR professionals to help employees make the most of the Saver’s Credit—a federal income tax credit of up to $1,000. Toolkit materials include intranet content, an e-mail message, materials for open enrollment packets, FAQs and more.
Uploaded: November 4, 2010
Specialty Drug Programs Rx: Special Solutions for Employers
This report by Buck Consultants looks at specialty drugs, which treat diseases at the cellular level, and how employers can manage their extremely high cost.
Uploaded: November 10, 2010
Target Date Funds Misconceptions
This third in an ongoing series of articles seeks to debunk some of the myths and misunderstandings about target date funds. Authors Joe Nagengast and Craig Israelson of Target Date Analytics, LLC, examine such issues as “longevity risk,” the debate over “to” versus “through” glidepaths and the need for increased disclosure to participants.
Target Date Funds and Glidepaths
Uploaded: April 28, 2011
The Health Care Reform Survey 2011-2012 - Willis
This survey conducted in December 2011 by global insurance broker Willis examines what actions employers believe other employers will take in response to Health Care Reform.
Healthcare Reform - Employers' Perspectives
Uploaded: March 13, 2012
The Power of 10 as a Retirement Savings Benchmark
This White Paper by Lincoln Financial, based on research conducted by Hearts & Wallets, LLC, highlights the concept of basing retirement savings on ten times income to achieve adequate income replacement. The paper focuses on the behaviors of retirees who had accomplished that goal.
Uploaded: October 21, 2011
What Is ‘CLASS,’ and Will It Work?
This issue in Brief from the Center for Retirement Research at Boston College analyzes the Community Living Assistance Services and Supports (CLASS) program created under the Affordable Care Act. Authors Alicia H. Munnell and Josh Hurwitz examine this voluntary, non-subsidized government insurance benefit, weighing its pros and cons and suggesting how it can be improved.
Uploaded: February 1, 2011
Worksite Wellness Programs: Just What the Doctor — And Senior Management—Ordered
This paper from Buck Consultants examines how worksite wellness and health promotion are the most direct, prudent, and lasting solutions for keeping employees healthy and avoiding many costs.
Uploaded: November 10, 2010
4th Quarter 2010 TRENDS – Noteworthy Developments for Employers Who Provide Health Coverage
This quarterly publication by Sibson Consulting, a division of Segal, provides a brief update of current issues affecting employer-provided health benefits.
Uploaded: November 4, 2010
Affordable Care Act - Regulations on Appeals Process
This Hewitt Associates report discusses the regulations that the DOL and HHS released in August, 2010, covering the Federal External Review Process and the Model Notices the agencies provided.
Commentary - Regulations on Appeals Process
Uploaded: October 21, 2010
Affordable Care Act Implementation - Commentary on Federal Guidance Released in September
This Hewitt article adds clarity to guidance that HHS and the DOL have issued regarding grandfathered status, claims and appeals, dependent coverage to age 26, and out-of-network emergency services.
ACA - Commentary on September 2010 Implementation Guidance
Uploaded: October 21, 2010
Applying Behavioral Economics to Improve Workforce Health and Organizational Outcomes
This article by Christopher Goldsmith of Sibson Consulting in Cleveland, Ohio, discusses how the principles of behavioral economics that are being used to address behavior-based problems in 401(k) participation can also be used effectively to encourage good decision-making by employees when it comes to selecting their healthcare benefits.
Improve Workforce Health with Behavioral Economics
Uploaded: February 3, 2012
Dependent Eligibility Audits Unearth Hidden Health Care Plan Costs
The Aon Consulting paper discusses how to reduce health care costs by making sure your organization is only paying for those who qualify for your plan.
Uploaded: October 29, 2010
Employment-Based Health Benefits and Taxation in an Era of Deficit Reduction
This July 2011 Issue Brief from EBRI looks at how elimination of favorable tax treatment of workers’ employer-provided health benefits would affect the health care system and the U.S. budget deficit. Currently, employer-provided health benefits are the largest tax expenditure in the U. S. budget, dwarfing the home mortgage interest deduction
Uploaded: March 13, 2012
GINA Regulations Curtail Health Risk Assessments
This October 2009 Benefits Alert from law firm Nixon Peabody discusses how the GINA regulations impose significant limitations on health risk assessments.
Uploaded: November 9, 2010
GINA Regulations Require Redesign of Wellness and Disease Management Incentives
This Bulletin from The Segal Company’s Sibson Conulting reviews the impact of federal regulations governing the use of genetic information on wellness and disease management plans.
GINA Regs - Impact on Wellness, Disease Management
Uploaded: November 9, 2010
Health Care Cost Trends, November 2010
This Aon Hewitt Bulletin draws on several of its data sources to identify health care cost trends over the last eight years. Among the findings: Employee contributions and out-of-pocket costs have more than tripled, from $1,229 in 2001 to a projected $4,386 in 2011.
Uploaded: December 29, 2010
Health Insurance Mandates in the States - 2010
The Council for Affordable Health Insurance released its 2010 report on state-by-state insurance mandates. The list includes mandates for: benefits, providers and covered persons together with an estimated cost each adds to premiums.
State-Mandated Health Benefits
Uploaded: November 10, 2010
Healthcare Financing Within the Employer-Sponsored System
This brief video by Milliman is a primer on how healthcare is financed under the employer-sponsored system. For those unable to view the video, a transcript is available.
Uploaded: January 17, 2012
Healthcare Reform in 2012: Blind Curves Ahead, Milliman Insight Article
This February 2012 article published in Milliman’s Insight lays out the various scenarios for healthcare reform, depending upon the Supreme Court’s anticipated ruling on the law in June or July of 2012 and the outcome of the presidential election in November.
Healthcare Reform's Prospects in 2012
Uploaded: March 6, 2012
Impact of EEOC’s Final Regulations on Health Risk Assessments and Wellness Programs
This report by Aon Hewitt reviews the final regulations issued in November 2010 and discusses the implications for health risk assessments and wellness/disease management programs.
Uploaded: November 16, 2010
Specialty Drug Programs Rx: Special Solutions for Employers
This report by Buck Consultants looks at specialty drugs, which treat diseases at the cellular level, and how employers can manage their extremely high cost.
Uploaded: November 10, 2010
The Health Care Reform Survey 2011-2012 - Willis
This survey conducted in December 2011 by global insurance broker Willis examines what actions employers believe other employers will take in response to Health Care Reform.
Healthcare Reform - Employers' Perspectives
Uploaded: March 13, 2012
Worksite Wellness Programs: Just What the Doctor — And Senior Management—Ordered
This paper from Buck Consultants examines how worksite wellness and health promotion are the most direct, prudent, and lasting solutions for keeping employees healthy and avoiding many costs.
Uploaded: November 10, 2010
2011 Retirement Attitudes Survey - Retirement Planning in a Post-Crisis Economy
This is the first in a three-part series of reports based on Towers-Watson’s July 2011 survey of current workers about retirement and healthcare benefits. In its fifth consecutive year, the survey encompasses responses from 3074 people about their employer-sponsored retirement and healthcare benefits. The initial report focuses on workers’ attitudes towards their household finances and retirement readiness.
Retirement Planning Post Economic Crisis
Uploaded: April 17, 2012
A Brief History of Target Date Funds
This is the first in a series of articles from Target Date Analytics, LLC that seek to explain the whats and whys of target date funds in easy-to-understand language. In this inaugural article, authors Joe Nagengast and Craig Israelson trace the evolution and growth of target date funds from their beginning in 1994.
Uploaded: April 28, 2011
Aon Consulting – Retirement Income Solutions for Defined Contribution Plans
This article identifies issues plan sponsors should consider when deciding whether and how to help participants with the income phase of retirement.
Uploaded: October 15, 2010
Aon Hewitt Summary of Final DC Participant Fee Disclosure
This report summarizes and comments on the DOL’s participant fee disclosure regulations released in October 2010.
Fee Disclosure - DC Participants
Uploaded: November 18, 2010
Are Target Date Funds a Bad Idea?
This is the second in a series of articles about target date funds from Target Date Analytics, LLC. In this piece, Craig Israelson and Joe Nagengast look at the criticisms leveled at these funds when so many investors near or in retirement lost significant amounts of money they had invested in 2010 target date funds. The authors make the case, albeit within certain bounds, for why they believe target date funds are a good idea.
Uploaded: April 28, 2011
Auto Enrollment – Public Plan Case Study
Retirement Made Simpler™, a coalition of the AARP, FINRA and the Retirement Security Project, issued this report on automatic enrollment in South Dakota’s defined contribution retirement plan. The report examines the background and passage of legislation that made auto enrollment possible and looks, as well, at the success the program has had in its early stages.
Auto Enrollment - Public Sector Plans
Uploaded: January 21, 2011
Automatic 401(k) Directory
Retirement Made Simpler™ has created a directory of employers who have implemented automated 401(k) features.
Uploaded: October 18, 2010
Automatic 401(k) Resources and Research
Retirement Made Simpler™ has compiled a large body of information and resources from various sources on automatic 401(k) plans, investment behavior and other retirement issues.
Uploaded: October 18, 2010
Automatic 401(k) Tool Kit from Retirement Made Simpler™
Retirement Made Simpler offers a free, step-by-step resource for plan sponsors who want to automate their 401(k) plans.
Uploaded: October 18, 2010
Automatic 403(b) Toolkit
Retirement Made Simpler™ has produced a robust toolkit to provide 403(b) plan sponsors with a step-by-step guide to implementing automatic features.
Uploaded: November 9, 2010
Cash Balance Renaissance
This September 2010 Milliman article discusses how a cash balance plan can prove to be more cost-effective for employers and more secure for employees. The plans share the characteristics of defined benefit and defined contribution plans. Under the structure described in this article, the cash balance plan provides a safe and conservative benefit that never loses principal.
Uploaded: January 21, 2011
Creating Portfolios That Confront Retirement’s Risks
The research report linked below by Ibbotson Associates, a Morningstar company, analyzes strategies that help retirees mitigate longevity risk and investment performance risk.
Longevity and Investment Performance Risk
Uploaded: February 3, 2011
DOL’s Final Regulations on Disclosure to DC Plan Participants
Sibson Consulting’s February 2011 Bulletin linked below examines plan-related and investment-related information that plan sponsors must provide to participants in self-directed DC plans.
Final Regulations - Participant Fee Disclosure
Uploaded: January 26, 2011
Does Anyone Care About the Financial Security of American Workers in Retirement?
This report by Aon Hewitt looks at the inadequacy of retirement savings among American workers and suggests that while workers need to bear the financial responsibility for their retirement, employers and government can help them improve their savings rate and overcome their financial knowledge gap.
Uploaded: November 26, 2010
Fact Sheet: U.S. Treasury Proposed Revisions to Broaden Lifetime Income Options in Employer-Sponsore
The U.S. Treasury Department issued guidance on February 2, 2012, intended to encourage lifetime income alternatives within employer-sponsored plans. The guidance proposes eliminating regulatory barriers that prevent or complicate the use of various types of annuities in both defined benefit and 401(k) plans.
Uploaded: February 13, 2012
Investment Implications of Structural Employment and Economic Shifts
This October 2010 edition of Segal’s Research Note discusses structural shifts in employment and the distribution of economic activity that can help readers assess the impact of changes in employment and economic activity on investment portfolios.
Investment Implications - Shifts in Economy and Employment
Uploaded: October 25, 2010
Look Before You Leap: The Unintended Consequences of Pension Freezes
This Issue Brief by the National Institute on Retirement Security finds that freezing a DB plan can lead to increased costs, reduced benefits or some combination of unintended consequences.
Uploaded: November 26, 2010
Managing Your Frozen Pension Plan: A New Paradigm
Changes in funding requirements and financial reporting have brought increased attention to frozen pension plans, as discussed in this Aon Hewitt article. Coupled with recent market turmoil, there is increased interest in finding better ways to move these single-employer and multiple-employer qualified plans to full funding.
Uploaded: October 15, 2010
Non-Qualified Deferred Compensation Resource
An online resource, MyNQDC.com, offers a wealth of educational information on non-qualified deferred compensation plans. Basic information, such as core concepts, types of plans and a glossary are available free of charge. Paid subscribers have access to the entire site.
Non-Qualified Deferred Compensation
Uploaded: January 13, 2011
Proposed IRS Regulations Allow Equity-Based Rates of Return for Cash Balance Plans
This report by Aon Hewitt analyzes the provision in the IRS’ October 2010 release of proposed regulations that allows plan sponsors to use equity-based crediting rates for cash balance plans.
Equity-Based Rate of Return - Cash Balance Plans
Uploaded: November 26, 2010
Retirement Readiness: What Difference Does a Pension Make?
This Issue Brief by the National Institute on Retirement Security reviews the evidence on the role DB plans play in ensuring that Americans are self-sufficient in retirement. It examines trends in pension coverage and points to possible areas of exploration for policymakers.
Pension Impact on Retirement Readiness
Uploaded: November 26, 2010
Saver’s Credit Toolkit
Retirement Made Simpler™ partner, the AARP, has developed toolkits for HR professionals to help employees make the most of the Saver’s Credit—a federal income tax credit of up to $1,000. Toolkit materials include intranet content, an e-mail message, materials for open enrollment packets, FAQs and more.
Uploaded: November 4, 2010
Target Date Funds Misconceptions
This third in an ongoing series of articles seeks to debunk some of the myths and misunderstandings about target date funds. Authors Joe Nagengast and Craig Israelson of Target Date Analytics, LLC, examine such issues as “longevity risk,” the debate over “to” versus “through” glidepaths and the need for increased disclosure to participants.
Target Date Funds and Glidepaths
Uploaded: April 28, 2011
The Power of 10 as a Retirement Savings Benchmark
This White Paper by Lincoln Financial, based on research conducted by Hearts & Wallets, LLC, highlights the concept of basing retirement savings on ten times income to achieve adequate income replacement. The paper focuses on the behaviors of retirees who had accomplished that goal.
Uploaded: October 21, 2011
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