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Insights

The 5 Essentials for Guiding Participants Toward Retirement Readiness

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At GuidedChoice, we believe plan sponsors should be able to plug advice into their plan, without upsetting their existing plan menu. They should be confident that the advice is free of conflicts, and that it treats participants as unique individuals — participants deserve more than an asset allocation schedule determined by their age. They deserve first-rate wealth planning advice that is affordable for even the smallest plans. Advice that allows them to sustain their quality of life and pursue retirement ambitions, while taking an appropriate amount of risk. 

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Topics: Asset Allocation, retirement readiness, personalized advice

Improving Outcomes: Asset Allocation Alone Isn’t the Answer

Posted by GuidedChoice on Mar 22, 2018 9:45:07 AM

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To date, traditional off-the-shelf Target Date Funds (TDFs) have become the most popular qualified default investment alternative (QDIA) offering in employer-sponsored retirement plans. However, that doesn’t mean they’re the best. TDFs are generally seen as an easy way to help participants put retirement investing on autopilot. And it’s this hands-off nature that appeals to plan sponsors who are responsible for QDIA selection, despite the fact that traditional TDFs have an overly simplistic strategy that falls short in several areas.

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Topics: TDF, Business Insights, Fiduciary Responsibility, Fiduciary Duty, 401k plan, financial wellness, Increase savings rates, investment advice for participants, Participant outcomes, Asset Allocation

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