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Insights

Personalization: The Right Approach For Sponsors and Participants

Posted by Sherrie Grabot, GuidedChoice CEO and Founder on May 9, 2018 1:11:47 PM

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To date, the defined contribution (DC) retirement plan industry has looked to default solutions as a panacea. Automatic enrollment, default investment programs and automatic contribution escalation have been the prescribed “answers” to combat inertia and motivate an under-saved workforce to build their retirement nest egg.

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Topics: TDF, Business Insights, Fiduciary Responsibility, QDIA, TDFs, Managed Accounts

Asymmetric vs. Symmetric Risk Preferences and Optimal Portfolio Selection

Posted by Thomas M. Anichini, CFA, Chief Investment Strategist on May 9, 2018 12:22:08 PM

assymetric imageWhile every investment practitioner knows (or should know) how to derive an efficient frontier under Modern Portfolio Theory (MPT), ask the next investment professional you meet how to select the most appropriate portfolio from the frontier. Chances are they won’t remember. The answer, of course, is to select the one that maximizes expected utility.

What the heck does “maximize expected utility” mean?

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Topics: behavioral finance, Business Insights, risk vs reward, BiCRRA, efficient frontier, CRRA, Relative Wealth Ratio, scoring of losses relative to gains, risk return tradeoff, portolio risk, assymetric risk, risk-neutral scoring

The Benefits of Hiring a 3(38) Fiduciary for Your Retirement Plan

Posted by GuidedChoice on May 8, 2018 2:53:01 PM

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In recent years, the steady increase in investment-related litigation in the defined contribution (DC) retirement plan space (and the resulting headlines) has brought to light key questions about fiduciary responsibility. Namely, who is a fiduciary? If you’re a fiduciary, what is your role? How do you make sure you’re fulfilling your duties under the law? What are your liabilities? Is there any way to limit those liabilities?

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Topics: Business Insights, 3(38) fiduciary advisor, fiduciary risk, fiduciary liability, Fiduciary Responsibility

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