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Insights

TDF's Just Got Personal:  Introducing a Flexible and Personalized Step Forward

Posted by GuidedChoice on Apr 4, 2019 2:34:21 PM

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The first quarter always brings the excitement of new insights, new expectations, and new goals. It sets the tone and pace for the rest of the year. It’s a happy time.

At least it should be.

The new year also brings its fair share of stress because, for plan sponsors, it’s time to critically evaluate plan effectiveness. It’s time to answer tough questions. 

Who’s in, who’s out? Are assets up or down? How effective is my plan at helping

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Topics: target date funds, TDF, QDIA, TDFs, Personalized Target Date Fund, Custom Target Date Fund

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

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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