Plan Optimization

Plan Optimization covers the many types of investments that advisors use to optimize or improve outcomes for plan sponsors in general, and plan participants specifically. Also included are behavioral finance, plan design and plan health. With a focus on outcomes becoming the major theme of the retirement industry — and plan advisors in particular — advisors will find insights and resources within these topics to help them achieve better results for their clients. In turn, this will help them be more successful.

Plan Optimization

Plan Optimization

By Mike Bushnell4/29/2015 • 0 Comments

Numerous organizations have conducted surveys on compulsory enrollment in retirement plans, and the trends are clear: Automatic plan features work — at least when plan sponsors offer them. READ MORE

By NAPA Net Staff4/29/2015 • 0 Comments

Sen. Elizabeth Warren (D-Mass.) announced April 28 that she has launched an investigation into the rewards and incentives that annuity providers offer to brokers and dealers who sell annuities to families and small investors. READ MORE

By NAPA Net Staff4/29/2015 • 0 Comments

Target-date funds continued to receive the majority of new contributions into individuals’ accounts last month, according to the AonHewitt 401(k) Index. READ MORE

By Fred Barstein4/24/2015 • 0 Comments

Custom TDFs are starting to become popular in larger DC plans. But do they make sense for plans with less than $1 billion? According to a report by consultants at Rocaton, the answer is yes, but only in certain circumstances. READ MORE

By Mike Bushnell4/23/2015 • 0 Comments

Taking a risk is supposed to be a good thing in business. But many plan sponsors would rather say “if it ain’t broke, don’t fix it,” than make an effort to improve their retirement plan’s design. READ MORE

By Fred Barstein4/22/2015 • 0 Comments

While most DC plans with more than $5 million allow roll-ins, relatively few participants take advantage of the opportunity to consolidate their DC and IRA accounts as part of the process.  READ MORE

By NAPA Net Staff4/20/2015 • 0 Comments

While most participants say they have heard the terms “contribution rate” (82%) and “vesting” (77%), only half (50%) had heard of target-date funds, even fewer (39%) had heard of target-risk funds — and most of those participants don’t understand the terms. READ MORE

By Fred Barstein4/16/2015 • 0 Comments

When it comes to analyzing investments, TDFs are different. Yet many people make the mistake of rating them like any other investment. READ MORE

By NAPA Net Staff4/9/2015 • 0 Comments

Morningstar’s 2015 Target-Date Fund Landscape report is out — and the news is good for retirement savings plans. READ MORE

By Nevin Adams4/8/2015 • 0 Comments

While industry pundits (and many advisors) continue to tout the prudence, if not necessity, of retirement plan lifetime income options, current trends don’t appear favorable, according to John Haley, Chief Executive Officer at Towers Watson. READ MORE

By NAPA Net Staff4/6/2015 • 0 Comments

A growing number of employers report that their nonqualified deferred compensation plans are offered “to provide a vehicle for retirement savings.” READ MORE

By John Ortman3/24/2015 • 0 Comments

Americans are currently saving about 50% of the extra money in their pockets resulting from lower energy prices — but don't expect that to last long.


By John Iekel3/23/2015 • 0 Comments

Tips on how best to serve clients with target-date funds were the focus of a March 23 session at the 2015 NAPA 401(k) Summit. READ MORE

By Rocco DiBruno3/18/2015 • 0 Comments

Best-of-breed fund lineups, formed by a prudent investment process, have been the norm in our industry, but that is changing before our eyes with the popularity of target date funds. The question is, is anyone noticing? READ MORE

By Mike Bushnell3/12/2015 • 0 Comments

Just 2% of all gainfully employed respondents in a recent survey said they would cash out their DC plan’s balance if they switched jobs, but in reality, 45% of all transitioning workers do so. In the Winter issue of NAPA Net the Magazine, Warren Cormier examines why so many people take the money and run. READ MORE

By Nevin Adams3/10/2015 • 0 Comments

A growing number of retirement plan participants — and retirement plan assets — are being invested in the default option selected for the plan. READ MORE

By Fred Barstein3/9/2015 • 0 Comments

A recent Reuters article says that assets in collective investment trusts, or CITs, are “surging” as asset managers are using them to “slash” fees, especially in DC plans. READ MORE

By Mike Bushnell3/2/2015 • 0 Comments

When Callan Associates surveyed plan sponsors in early 2014, more than a third of the respondents said they would make changes to their target date funds during the coming year. The firm’s just-released 2015 survey shows that many of those sponsors were true to their word. READ MORE

By Jerry Bramlett2/25/2015 • 0 Comments

When Nobel Prize winning economist and Yale University professor Robert Shiller speaks (or muses) about the markets, investors listen. READ MORE

By Nevin Adams2/24/2015 • 0 Comments

A lot of variables determine whether a project will be a success or failure, but in my experience, projects that lack either a limited budget and/or a specific timeframe are doomed from the outset.  READ MORE

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