401(k) Plan Center

MIT, NYU, Yale Sued Over Retirement-Plan Fees

MIT, NYU, Yale Sued Over Retirement-Plan Fees

 Suits claim plans breached duties by stocking investment menus with retail mutual funds

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Retirement Readiness: you've got to measure it to manage it

Retirement Readiness: you've got to measure it to manage it

At TWM we’re taking both a top down and a bottom up approach to the problem of retirement readiness. Our hope is that these combined approaches result in progress on the original mandate of 401(k) plans, and the ultimate goal of any retirement plan: retirement readiness through income replacement.

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Confronting America's Retirement-Savings Crisis

Confronting America's Retirement-Savings Crisis

Understanding investor behavior is key to reining in the problem, according to investment expert Charles Ellis, who is someone we have a tremendous amount of respect for. Much of what he says will resonate with you as we focus on participant success measures in your plans.

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Four Steps to Fiduciary Success for Plan Committees

Four Steps to Fiduciary Success for Plan Committees

This report from Vanguard Investments describes the steps taken by successful investment committees.

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Your Primer on the DOL's Fiduciary Rule Proposal

Your Primer on the DOL's Fiduciary Rule Proposal

We've attached an Executive Summary covering the basics of the DOL's proposed rule on conflicts of interest in giving retirement plan advice. The new rule, designed to protect participants, seeks to define what advice will be subject to a fiduciary standard of care and under the purview of DOL enforcement.

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The Psychology Behind Financial Decisions

The Psychology Behind Financial Decisions

 

When we have too many options, we choke.

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Performance of Wall Street's Best Known

Performance of Wall Street's Best Known

Another smoking gun for active fund management/market timing...

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New rule on annuity options for retirement plans

New rule on annuity options for retirement plans

Recent rule allows participants to purchase annuities with a portion of their balances.

 

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Mind games: Behavioral aspects of investing

Mind games: Behavioral aspects of investing

Fear, greed and ego are some of the biggest influencing factors in stock markets...

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Supreme Court Decision on 401(k) Fiduciary Responsibility

Supreme Court Decision on 401(k) Fiduciary Responsibility

This article describes a recent Supreme Court decision which requires plan sponsors and investment advisors to regularly review the investments within a retirement plan...

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Featured

Progress: 401(k)'s Have Simply Gotten A Whole Lot Better

Progress: 401(k)'s Have Simply Gotten A Whole Lot Better

It is pretty easy to focus on what is wrong with our defined-contribution retirement system. Lots of employees still do not have access to workplace retirement plans. Fees can be too high, especially for workers at smaller firms. Sometimes employees face making complex decisions with relatively little guidance. Many of us do not save as much as we should for retirement. All of these things are true.

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Understanding Plan Sponsors Fiduciary Obligations

Understanding Plan Sponsors Fiduciary Obligations

Any company that sponsors an investment plan as a benefit for their employees becomes a fiduciary, and has certain obligations to both the participants and beneficiaries of the plan. The individual employees that have responsibility for making decisions about the plan are also Fiduciaries. As a result, not only the company, but also the managers potentially have financial and legal liability for breach of fiduciary obligations...

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Understanding the Different Types of Retirement Plan Fiduciaries

Understanding the Different Types of Retirement Plan Fiduciaries

The Employee Retirement Income Security Act (ERISA) defines the roles and responsibilities of various fiduciaries for defined contribution retirement plans. In this article, we will attempt to clarify what some people consider to be a confusing situation.

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TWM Rethinking 401(k) Participant Education

TWM Rethinking 401(k) Participant Education

Our objective was to better understand the 401(k) participant mindset and find the best ways to promote engagement with their company-sponsored retirement plan.

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Featured

Some Interesting New Data on 401(k) Plans

Some Interesting New Data on 401(k) Plans

BrightScope and the Investment Company Institute recently collaborated to produce this report on the current state of 401(k) plans based on an analysis of over 35,000 plans in BrightScope’s database as of 2012 (the latest year available). As of 6/30/2014, of the $24 trillion of U.S. retirement plan assets, 401(k) plans comprised 18.3% or $4.4 trillion, as shown in the pie chart below.

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Mutual Fund Expenses Star Ratings Performance

Mutual Fund Expenses Star Ratings Performance

 Pop culture and investing rarely cross paths. After all, pop culture is hip, exciting, and flashy. Conversely, we’ve seen that successful investing is generally anything but. Nevertheless, the last decade or so has seen the rise of an internet meme that may be applicable to the investing world—“FAIL.”

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Index Investing: A Simple, Low Cost Solution For Retirement Plans

Index Investing: A Simple, Low Cost Solution For Retirement Plans

401(k) Sponsors and participants share some common concerns: market risk, not saving enough for retirement and the impact fees may have on hard-earned savings. This brochure explains how index investing can help.

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Choice Overload in 401(k) Plans: What Buying Jam Can Teach Us.

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