As lifespans extend longer than ever before, a new phase has emerged at the other end of our working lives, beginning generally around age 55, called preretirement. Learn how the ten critical years before retirement can help participants plan and achieve goals.
As target date funds become one of our industry's most popular investments, one of their strengths is often seen as a potential weakness that their simplicity comes at the price of being good enough for the masses but perhaps less than ideal for anyone who isn t average. But participants can 'customize' their target date fund by sliding up or down the efficient frontier.
Explore why BlackRock's experts believe a single holistic framework for understanding risk across an entire DC plan can be quantified, empowering plan sponsors to test and measure the effect of changes quickly and easily.
Participants want the answers to simple questions, such as: how much should I save? How should I be invested? Learn how BlackRock's Lifecycle research incorporates real world data to help answer these questions.
When participants assemble their own portfolios, they're essentially creating a "one off," customized portfolio. Because this is a core feature of 401(k) plans, we take it for granted, but perhaps we should be questioning the wisdom of this tradition.
A standalone fixed income investment has markedly different goals than a fixed income allocation within a multi-asset class solution. In such solutions, the diversification attributes as well as the ability to absorb equity shocks are of much higher importance than the allocation s total return.
Participants want to know one thing: will their DC plan help them retire on time? That simple question can help us look beyond investment risk to understand the full range risks that need to be managed to help participants reach their goal.