Viewpoints about Retirement readiness
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How to track retirement readiness with income replacement ratios
We take a look at a popular measure of participant progress—the income replacement ratio—to assess how participants are doing and share ideas for using it to help improve your plan.
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How to use investment and account data to help create better investors
A look at where defined contribution plan participants moved their money during a sometimes turbulent period—as well as ways to gauge how your people are investing and help inform their future decisions.
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How to use expense projections to add definition to retirement readiness
Expense coverage projections add a whole new dimension to the concept of retirement readiness. See how the calculations work, how current participants measure up, and how you can use this and other key benchmarks to help improve retirement outcomes.
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How participant actions can help or hinder their retirement savings
The behavior of defined contribution plan participants can have a big impact on their retirement outcomes. Here's a look at plan loan, hardship withdrawal, and contribution activity--and tools for addressing them in your plan.
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What to do with your day care dollars when your child graduates
Get four tips for allocating your day care cost savings when your children graduate—they can help you stay on track to achieving your goals.
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What's the difference between Social Security and a pension?
When you retire, the money you live on may come from different sources: Social Security, your 401(k) plan, IRAs, and an employer pension plan. Pension plans and Social Security benefits can pay you a steady income like your paycheck did when you worked, but that’s where the similarity generally ends.
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What to know when your defined benefit pension plan terminates
Defined benefit (DB) pension plans date back to the United States Revolutionary War and continued to grow in popularity into the 1980s. Since then, more companies are cutting DB plans. Know your options for handling your benefit if your employer decides to terminate yours.
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Does income replacement really measure retirement readiness?
Income replacement ratios can make appropriate benchmarks for 401(k) plan decision-makers, but participants might want to use a more personalized measure in planning for retirement.
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Three participant realities—and ways to improve your next retirement readiness assessment
Inspired by the research in our “State of the participant 2021” report, here are three observations on what retirement plan savers are going through today—and next steps you might consider to ease their journey going forward.
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