Building in flexibility and offering a range of features, such as adding a financial advisor, are recommended at a time when there is so much competition for workers, says a new report.

It's impossible to say exactly what's to come, but we do have a very good idea of a few things that we should be keeping an eye on.

While similar in objective, money market funds, stable value funds and fixed accounts each have unique characteristics that should be evaluated on a regular basis.

Even up to 40% of middle-income workers are at risk of slipping into near-poverty in retirement, according to the Schwartz Center for Economic Policy Analysis, which recommends universal retirement accounts.