man trying to sleep Can weprotect participants from their own worst instincts in the face offear? (Photo: Shutterstock)

If the right features are included, the way a retirement plan isdesigned can help to offset participant behavior that's reactive to marketvolatility instead of proactive for retirement planning.

That's part of the message in T. Rowe Price's report ReferencePoint, which finds that although participants didn't react well tolast year's market turbulence, well-designed retirementplans managed to offset some of that behavior and result in “strongplan and participant outcomes despite the uncertainty, resulting in2018 being a year of mixed results.”

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Marlene Satter

Marlene Y. Satter has worked in and written about the financial industry for decades.