While plan sponsors and participants have been quick to adopt target-date funds, the inherent risks of this approach have become apparent during the recent financial turmoil. Plan providers can mitigate these risks by combining target-date funds with income guarantees.…
By: Boomer Market Advisor
The transformation from an asset accumulation business to a broad platform for lifetime retirement savings and security.…
By: Boomer Market Advisor
Retirement plan sponsors have important fiduciary responsibilities to plan participants. Understanding plan expenses and determining if they are reasonable are among the most important.…
By: Boomer Market Advisor
Knowing how to invest for retirement is often difficult for the average person. In recent years, lifestyle funds have made it easier for most participants. The distinguishing feature of the popular "target date" lifestyle funds is that the overall asset allocation automatically becomes more conservative as a participant's retirement date approaches. Another approach -age-based investing -automatically adjusts asset allocation to become more conservative based on a person's age, rather than an expected retirement date.…
By: Boomer Market Advisor
In recent months there has been much misinformation swirling about in the media regarding the usefulness of ETFs in 401(k) plans. This white paper addresses the application of ETFs as a valuable tool that can easily be incorporated into retirement plans. Irrational trepidation and technical impediments have prevented more widespread usage of ETFs in 401(k)s. For those who seek out select administrators, options are plentiful and extremely cost effective.…
By: Boomer Market Advisor
The investors who comprise the emerging affluent segment of the market are very diverse -- in terms of their net worth, risk tolerance, financial goals, and a myriad of other characteristics. Because of this diversity, in order for firms and advisors to effectively service this market they must perform some level of segmentation.…
By: Marketing Staff
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