Viewpoints about
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Getting started with 401(k) problem-solving
Financial professionals with the skills and tools to uncover and resolve retirement plan issues can help add more value to a plan sponsor’s program. Here are a few steps to help you get started.
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Accessing your 401(k) money—withdrawals, loans, and hardships
The money in your retirement accounts is intended for, well, retirement. But that doesn’t necessarily mean you can’t access it if you need to. How you take your money out of your retirement account prior to retiring depends on several factors. The point is that you may have options—let’s go through them.
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Three reasons to brush up on 401(k) payroll integration
Every single benefit a 401(k) plan delivers—including retirement readiness—starts with successful payroll integration. Here are three reasons to brush up on this important plan feature.
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Who regulates retirement plans?
Three U.S. government agencies play key roles in making sure that retirement plans are operated for the benefit of participants. Here’s what they are and what each one does.
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Building your 401(k) know-how: What’s dollar cost averaging?
Dollar cost averaging may help people manage the ups and downs of financial markets, and it’s an inherent part of 401(k) plans. Learn how dollar cost averaging works.
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Don’t let emotional biases drive your finances off course
You may not be aware of your biases, but they could be affecting your behavior and your finances, including your retirement plan. In fact, a combination of time constraints, lack of knowledge and energy, and the influence of emotions can lead people to make irrational and less-than-ideal investment decisions.
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How inflation can affect your 401(k)
Over time, prices tend to go up—which is called inflation. Because of inflation, how much you spend on everyday items changes from year to year, even if what you buy doesn’t. If you want to be able to maintain your standard of living in retirement, you’ll need to account for inflation as you plan how much you should be saving.
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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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ERISA and the 401(k) plan: a short history
Knowing the history of ERISA and the 401(k) plan can help you understand your ERISA duties—and execute them effectively.
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65 commonly asked 401(k) plan questions—and where to find answers
From enrolling, to investing, to taking withdrawals, people have questions about their 401(k) plans and how to use them. Here are some of the common questions—and links to recent Viewpoints that can help answer them.
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