Investment Instruments

Looking to the year ahead, now's the time to take stock of your company's retirement plan to ensure it has adopted the following automatic features that help set your workforce up for investment success.

Plan sponsors need to be more receptive to bringing in someone that's going to give holistic advice to employees – to educate them about saving for retirement – and it all starts with employers, says a new study.

Offering a retirement plan can lead to an annual cost savings of more than $100,000 in reduced employee turnover costs alone for SMBs – a 2x return on the initial costs of offering a 401(k), says a new study.

A disconnect exists between employers and employees when it comes to retirement education efforts: 78% of employers say they provide the education, but just 38% of employees report receiving it, says a new survey.

Some employees are turning to their retirement plans when unexpected expenses arise, but employers should be offering emergency savings programs instead, says a new report.

Employers should provide targeted communications to women, as well as access to independent financial counselors, decision support tools, and debt management services to help bridge the gap, says a new report.

Early career employees have different needs than an executive getting ready to retire. Employers should group their population by HSA ability levels with the goal of helping their employees' level up their HSA behavior over time.

Now, experts are saying it should just be a guideline for a retirement plan. Instead, give greater consideration to commission-free retirement annuities, which are built to generate income while also offering predictable income.