While HR operations have been slow to integrate such tools into their daily operations, a Towers Watson survey indicates that they will be under pressure from the big bosses to do more.

A white paper produced on behalf of The Center for Due Diligence offers fiduciaries a dozen best practices when working with tactical asset allocation strategies.

More than half of those surveyed said they are putting away the same amount now as they were a year ago. Of those remaining, 18 percent said theyve increased their savings rate and 17 percent have decreased it.