Viewpoints about 401(k) investments
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What is a CIT?
Collective investment trusts (CITs) are tax-exempt, pooled investment vehicles maintained by a bank or trust company, and they’re available only to ERISA-qualified retirement accounts. They're exempt from many of the regulatory requirements that drive mutual fund expenses, generally giving them a fee advantage over mutual funds. Because costs are an important consideration for you as an ERISA fiduciary, you may want to think about offering CITs in your 401(k) plans.
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2020’s lessons for 401(k) participants and financial professionals
Now that 2020 is hindsight, it’s important to look back and see what lessons it has for us. We’ve taken a look at the actions our retirement plan participants took in 2020 to gauge what kind of help they may need as they look forward in 2021.
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The impact of COVID-19 on the markets and 401(k) balances as of September
Learn how markets and participants are responding to continued uncertainty.
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Three ways to invest your 401(k) savings
401(k) plans typically offer multiple ways for you to manage the money that you or your company put into your account: You can do it yourself, you can use an asset allocation fund, or you can have a professional do it for you.
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Seven suggestions for designing a 401(k) investment menu
Our 7 suggestions for designing a diverse 401(k) menu provide considerations for 401(k) plan sponsors in selecting investments.
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Six months of market volatility and COVID-19: reflections from August 2020
After six months of pandemic-related economic and market uncertainty—a look at what retirement plan participants have experienced and what actions they’ve taken.
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How COVID-19 has affected retirement plan sponsors and participants—our July update
The dichotomy of the stock market performance and unemployment in July set the stage for the uneven impact of the pandemic on both businesses and people, as we see in a July survey of our retirement plan sponsors and in our participant data.
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Considerations when evaluating 401(k) net investment fees as an ERISA fiduciary
Make sure your regular fund reviews include exploring alternative share classes.
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Retirement plans in June continued to reflect the ups and downs of the economy
Since the pandemic kicked off market volatility in February, the economy has been on a rollercoaster ride. We continue to watch the actions our retirement plan participants are taking to gauge the impact the changing economy is having on them, so we can try to help them with timely and targeted engagement.
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How to manage your 401(k) through market fluctuations
Tips for managing your 401(k) during large market fluctuations.
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