401(k) Specialist Issue 1 - 2018 - 8
401(k) NEWS YOU CAN USE
401(k) Participants Are
Behaving Better (Much Better)
ELECTIONS, LEGISLATION, THE POSSIBILITY of nuclear war (!)-none of it
seemed to rattle 401(k) participants as markets and account balances soar.
Alight Solutions recently released its observations of the 401(k) space given the
current craziness, noting 2017 was the slowest trading year in the two-decade
history of the Alight Solutions 401(k) Index.
" In total, 1.45 percent of total plan balances were traded during the year, down
from 2.13 percent in 2016, " Illinois-based Alight reports. " There were 13 days of
above-normal daily transfer activity in 2017-less than half the number in 2016
(28) and trailing 5-year and 10-year averages (30 and 32 days, respectively). "
It attributed the behavior to innovation and products meant to keep workers
on track.
" Part of the light trading activity can be explained by the prevalence of target
date funds, the largest asset class in the 401(k) Index. "
And, of course, the so-called " Trump Bump " in market movement as a result of
the regulatory rollback likely contributed to the good performance, as well.
Younger Workers Are
Surprisingly-or Not-
Off-Track for Retirement
LIKE A NEWBORN BABE, millennials as a generation are analyzed, observed
and for many marketers, doted upon for their size and spending
power.
But when all is said and done-will they have enough to retire?
It's a difficult question the Center for Retirement Research at Boston
College attempts to answer in its latest issue brief, noting that while
millennials have high education levels, they're behind their older counterparts
on many key indicators of retirement preparedness, a cause for
concern.
" Having entered the labor market in tough times, millennials have
lower wages and fewer fringe benefits than Gen-Xers and late baby
boomers did as young adults, " CRR director Alicia Munnell and colleague
Wenliang Hou write. " This difficult start, combined with high levels of student
debt, has delayed them from getting married and buying a home. "
They note that " not surprisingly, then, millennials have less wealth
than previous cohorts, even though they will need more due to longer
lifespans and reduced Social Security. "
Thankfully, they add, retirement is still a long way off, so
they have time to " get back on track. "
8
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401(k) Specialist Issue 1 - 2018
Table of Contents for the Digital Edition of 401(k) Specialist Issue 1 - 2018
Table of Contents
401(k) Specialist Issue 1 - 2018 - Cover1
401(k) Specialist Issue 1 - 2018 - Table of Contents
401(k) Specialist Issue 1 - 2018 - 1
401(k) Specialist Issue 1 - 2018 - 2
401(k) Specialist Issue 1 - 2018 - 3
401(k) Specialist Issue 1 - 2018 - 4
401(k) Specialist Issue 1 - 2018 - 5
401(k) Specialist Issue 1 - 2018 - 6
401(k) Specialist Issue 1 - 2018 - 7
401(k) Specialist Issue 1 - 2018 - 8
401(k) Specialist Issue 1 - 2018 - 9
401(k) Specialist Issue 1 - 2018 - 10
401(k) Specialist Issue 1 - 2018 - 11
401(k) Specialist Issue 1 - 2018 - 12
401(k) Specialist Issue 1 - 2018 - 13
401(k) Specialist Issue 1 - 2018 - 14
401(k) Specialist Issue 1 - 2018 - 15
401(k) Specialist Issue 1 - 2018 - 16
401(k) Specialist Issue 1 - 2018 - 17
401(k) Specialist Issue 1 - 2018 - 18
401(k) Specialist Issue 1 - 2018 - 19
401(k) Specialist Issue 1 - 2018 - 20
401(k) Specialist Issue 1 - 2018 - 21
401(k) Specialist Issue 1 - 2018 - 22
401(k) Specialist Issue 1 - 2018 - 23
401(k) Specialist Issue 1 - 2018 - 24
401(k) Specialist Issue 1 - 2018 - 25
401(k) Specialist Issue 1 - 2018 - 26
401(k) Specialist Issue 1 - 2018 - 27
401(k) Specialist Issue 1 - 2018 - 28
401(k) Specialist Issue 1 - 2018 - 29
401(k) Specialist Issue 1 - 2018 - 30
401(k) Specialist Issue 1 - 2018 - 31
401(k) Specialist Issue 1 - 2018 - 32
401(k) Specialist Issue 1 - 2018 - 33
401(k) Specialist Issue 1 - 2018 - 34
401(k) Specialist Issue 1 - 2018 - 35
401(k) Specialist Issue 1 - 2018 - 36
401(k) Specialist Issue 1 - 2018 - 37
401(k) Specialist Issue 1 - 2018 - 38
401(k) Specialist Issue 1 - 2018 - 39
401(k) Specialist Issue 1 - 2018 - 40
401(k) Specialist Issue 1 - 2018 - 41
401(k) Specialist Issue 1 - 2018 - 42
401(k) Specialist Issue 1 - 2018 - 43
401(k) Specialist Issue 1 - 2018 - 44
401(k) Specialist Issue 1 - 2018 - Cover3
401(k) Specialist Issue 1 - 2018 - Cover4
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