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Industry

OregonSaves Filling the Retirement Plan Coverage Gap

Two years after its launch, OregonSaves, the state-run retirement program for private-sector employees, is reporting $25 million saved for retirement.
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Annuities Need to be a 401(k) Default

My colleagues and I are beginning to think seriously about embedding annuities in 401(k) plans. Now, 401(k) plans generally offer lump sums, which means that retirees have to decide how much to withdraw each year.
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Researchers Propose Including Annuities as a Default in 401(k)s

An analysis found defaulting a portion of balances in deferred income annuities (DIAs) would boost income for retirees later in life, and researchers offered suggestions for implementation by defined contribution (DC) plan sponsors.
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Retirement Security Bills May Drive Opportunities for Life/Annuity Players: A.M. Best

The SECURE Act, currently with the US Senate after being passed by the US House of Representatives, is expected to create additional market opportunities for the retirement and employee benefits industries.
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No, Really, This Time is Different in Retirement Income

“This time is different.” We’ve heard it before. We heard it when technology stocks were skyrocketing in the late 90s, and then just before the real estate bubble burst a decade ago.
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Income Options Are Coming to 401(k) Plans

A growing number of employers are exploring ways to help 401(k) participants turn their savings into a sustainable income in retirement, even ahead of Congress passing legislation that would make it easier to do so.
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Lack of 401(k) Annuitization Portability Is Mean: Pension Policy Specialists

Pension policy specialists have explained why you might care about “portability” — one of the little-discussed, complicated-sounding provisions in the major retirement bills now in play in Congress.
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Deferred Annuities as 401(k) Plan Default?

The (mostly) pros and cons of including deferred lifetime income annuities as a default in employer provided 401(k) plans are investigated in a new research paper from Brookings Economic Studies program.
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A Lack of Retirement Income Guidance Harms Participants

Defined contribution plan participants are unlikely to feel confidence about retiring when they receive no retirement income projections and no help defining discretionary versus required expenses. Three researchers present a retirement spending strategy focused on delaying Social Security and getting the most out of RMDs.
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SECURE Act Changes That Affect Your 401(k)

The SECURE Act changes would alter the way 401(k) plans operate in significant ways by changing the rules affecting coverage, distributions and participant disclosures and by opening up the market for multiple employer plans (MEPs) covering unrelated employers.
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