Investment Instruments

Target date funds (TDFs) have cemented their position as a core investment option in 401(k) plans by offering age-appropriate asset allocation, diversification, and automatic rebalancing.

The tool "delivers a simple, secure way for households to begin engaging" with the program, according to Scott Bessent.

From a plan design perspective, we believe sponsors should consider distribution options such as systematic withdrawals or partial distributions so participants can take ongoing or periodic distributions from the plan in retirement.

A planner thought he might have stumbled upon a loophole in program regulations. The reality is more complicated.

A new paper suggests what experts already suspect: The products reduce stress and aid investments in health.

More than 8 in 10 people aged 18 to 29 say it is important to be perceived by others as financially responsible.