AUGUST 2026 NEWSLETTER
The Power of Staying Invested in Target Date Funds
Target date funds (TDFs) are the most common qualified default investment alternative (QDIA) in 401(k) plans. At year-end 2022, more than two-thirds of participants in the Employee Benefit Research Institute/Investment Company Institute (EBRI/ICI) 401(k) database held TDFs in their account.
A recent ICI study suggests...
Research Explores Link Between Guaranteed Income and Retirement Assets
Recent research from the Employee Benefit Research Institute (EBRI) examines how retirees’ assets change over time depending on whether or not they have access to guaranteed income streams. The report, “Asset Decumulation Over Retirement and the Role of Guaranteed Income Streams,” analyzes longitudinal data from the 1992–2022 Health and Retirement Study to assess how households’ retirement assets outside of home equity change throughout retirement.
The researchers found retirees generally...
Participant Data Privacy: A Growing Fiduciary Consideration
Retirement plan sponsors are well accustomed to fiduciary obligations around investment selection, fee reasonableness, and plan administration. Increasingly, however, another fiduciary consideration is drawing regulatory attention: how participants’ personal and financial data is...