401(k)/IRA Archives - Retirement Income Journal

How Ready is Your State for Retirement? Here’s an Answer.

By Editorial Staff Thu, Mar 20, 2025

The Georgetown University Center for Retirement Initiatives has just released a 130-page document, 'Who Lacks Access to Retirement Savings? A State Level Analysis.' You can access a pdf copy...

Published April 2025

Australia’s ‘Super’ DC program faces decumulation problem

By John Mitchem

'While superannuation funds have excelled at accumulating wealth, they have struggled to provide products that deliver reliable income streams throughout retirement,' warns a Jasper Forum spokesperson.

Published April 2025

Participant Sentiment a ‘Hurdle’ to 401(k) Annuity Uptake: Cerulli

By Editorial Staff

'The tradeoff between liquidity and a guaranteed income stream is unappealing for many participants,' a Cerulli survey of asset managers found.

Published April 2025

Cannex puts 401(k) annuities to the test

By Kerry Pechter Sun, Feb 2, 2025

'Insurance companies should all be thinking carefully about this,” said Ramsey Smith, CEO of ALEXIncome, with respect to the nascent 401(k) annuity market. 'They need to understand that this...

Published February 2025

DOL names new members of ERISA Advisory Council

By Editorial Staff Fri, Jan 3, 2025

The 15-member council provides advice on policies and regulations affecting employee benefit plans governed by the Employee Retirement Income Security Act of 1974 (ERISA).

Published January 2025

Retirement income is Kevin Crain’s comfort zone

By Editorial Staff

The new executive director of the Institutional Retirement Income Council, who is succeeding Michelle Richter-Gordon, brings decades of experience in the retirement industry to his new role. IRIC will...

Published January 2025

Why 401(k) Plan Sponsors Remain Wary of Annuities

By Kerry Pechter Wed, Sep 4, 2024

The SECURE Act of 2019 did too little, too soon, in opening up 401(k) plans to all kinds of annuities. Some big 401(k) plans are ready to offer in-plan...

Published September 2024

RIJ Launches the 401(k) Income Research Center

By Kerry Pechter Wed, Jul 31, 2024

RIJ intends to give plan sponsors, plan advisors, retirement plan service providers and others an up-to-date, easy-to-access source of curated information and competitive intelligence on products and processes that...

Published August 2024

Recurring Idea: Give the ‘Tax Expenditure’ to the Poor

By Kerry Pechter

The Penn Wharton Budget Model, a group that assesses new spending programs, calculates that, if the US Treasury eliminated the tax deduction for contributions to retirement plans, it could...

Published August 2024

Should Participants Get Lifetime Income By ‘Default’?

By Kerry Pechter

The ERISA Advisory Council heard testimony on whether to tweak the rules for Qualified Default Investment Alternatives to accommodate—or exclude—annuities. Advisors to 401(k) plans should read this.

Published August 2024

What Recordkeepers Think about 401(k) Annuities

By Kerry Pechter Fri, Jun 28, 2024

The Defined Contribution Institutional Investment Association (DCIIA), a Washington, DC-based trade group, recently conducted a survey of recordkeepers to measure their progress toward facilitating income options in 401(k) plans.

Published July 2024

MetLife and Micruity expand their DC savings-to-income IT partnership

By Editorial Staff

The two firms have already worked together on connecting MetLife’s retirement income services with Fidelity’s Guaranteed Income Direct and State Street Global Advisors IncomeWise platforms.

Published July 2024

A Plan Sponsor’s Guide to In-Plan Annuities

By Kerry Pechter Mon, Jun 3, 2024

Broadridge, Cannex, The Index Standard, Micruity, and ERISA attorney Fred Reish have co-produced a 39-page guide designed to help 401(k) plan sponsors choose a retirement income tool for their...

Published June 2024

BlackRock relaunches its “LifePath Paycheck” retirement income tool

By Kerry Pechter Wed, May 1, 2024

'DCIO' asset managers like BlackRock must find ways to retain participant assets post-retirement and enrich the value of their target date funds. They must also make themselves relevant to...

Published May 2024

Auto workers’ DC plan will link to Hueler Income Solutions

By Editorial Staff Tue, Apr 2, 2024

Union workers at General Motors and Stellantis (Chrysler et alia) in Detroit will be able to link directly from their 401(k) platform or employee benefits portal to the Hueler...

Published April 2024

MetLife to offer income annuities on Fidelity’s platform

By Editorial Staff Mon, Mar 4, 2024

The MetLife solution enables participants at all savings levels to purchase an immediate income annuity through an insurer selected by their employer and annuitize any portion of their savings,...

Published March 2024

Meet the Newest Platform in the 401(k) Annuity Space

By Kerry Pechter

'We’re a product design firm,' ALEXIncome co-founder E. Graham Clark told RIJ. 'We feel we’ve built the best process for integrating annuities into retirement accounts.'

Published March 2024

This Year’s Legal Battles

By Kerry Pechter

The life/annuity industry faces three big legal issues this year. All stem from, or are complicated by, the patchwork regulation of financial products in the US, our out-of-date pension...

Published March 2024

Fidelity’s Plan Sponsors Can Now Offer Annuities

By Kerry Pechter Tue, Feb 6, 2024

Income products issued by MetLife, Pacific Life, Prudential Financial and Western & Southern Financial Group are available on the Fidelity platform, with additional insurers to be added in the future, Fidelity said in its...

Published February 2024

‘Sticking to the Plan’ While Taking Income

By Kerry Pechter Mon, Feb 5, 2024

Pension Plus is a recent entry in the race to sell decumulation tools to 401(k) plan sponsors. Shlomo Benartzi, the behavioral finance expert, conceived it. Retirement industry veteran Mike...

Published February 2024

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