While 401(k) plans can be a key component of your employees’ retirement savings, they only work if employees participate in your plan. Indeed, a Vanguard paper on this topic found that participation and savings rates were the primary determinants of …
Inertia is a strong force. It is why many retirement plan participants never make changes to their savings rates and investments within their plans. Unfortunately, this can lead to some bad outcomes. It isn’t unusual to hear stories of people …
While the philosophical debate continues to rage on about the merits of active management, we’d rather focus on the data. After all, it’s the data that drives our decision-making process as retirement plan advisors and fiduciaries. Morningstar, an independent provider …
