The growth of defined contribution retirement plans has brought new estate-planning challenges for participants.
Retirement Plan Design
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June 2019
Most retirement plans let participants allocate their contributions among a menu of investment options – and this decision can have a substantial effect on a retirement portfolio’s ultimate value.
January 2019
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Given the choice between a smaller immediate payout or a larger future payout, people generally prefer rewards sooner rather than later, a tendency called temporal discounting. |
October 2018
A retirement plan’s default investment portfolio is optimal for some employees. But for others, the default has some drawbacks.
October 2018
A retirement plan’s default investment portfolio is optimal for some employees. But for others, the default has some drawbacks.
December 2017
Many retirement plan participants lack the financial knowledge needed to manage their portfolios on their own, underscoring the importance of advice.
June 2017
To preserve retirement wealth, IRAs and employer-sponsored defined contribution plans typically impose a penalty on early withdrawals. How might individuals respond if the penalty were lifted?
June 2017
Many defined contribution plans pay benefits as a lump sum, putting retirees’ lifetime income security at risk. Longevity income annuities address this concern.
June 2017
Many defined contribution plans pay benefits as a lump sum, putting retirees’ lifetime income security at risk. Longevity income annuities address this concern.