Retirement archive
Every Retirement story, newest first. 353 stories
8 stories
- Policy & ERISA
IRS replaces EPCRS revenue procedure and launches IRA correction system
Revenue Procedure 2026-34 took effect the day it was announced; the new IRA program will take over 60-day rollover waiver requests during 2027 and 2028.
- Investments
SEI to build CITs carrying Carlyle private equity for Basic Capital plans
The first trust will blend public equity with Carlyle private equity and is designed to sit inside a participant's existing large-cap equity allocation.
- Plans & Sponsors
EBRI and PensionBee find 68% of automatic rollover IRAs lose value in a year
The whitepaper estimates up to 13 million such accounts holding as much as $43 billion, with opening fees as high as $100 and $5 monthly maintenance.
- The Wrap
Plan sponsors rank 401(k) education a top concern as workers lose track of old plans
Morgan Stanley's poll of 200 sponsors found 45% rank education among their top three concerns; Empower's survey of 2,005 adults found one in three may have lost track of an old 401(k).
- The Wrap
Capital Group adds retirement income to target-date funds; HSA invested balances top $100 billion
Capital Group's framework models fixed 4% to 4.5% and variable 5% to 5.5% withdrawal ranges, and a Morgan Stanley poll finds 45% of sponsors rank 401(k) education among top three concerns.
- Investments
Private equity tops public pension returns for 14th consecutive year, AIC finds
Private equity's median 10-year annualized return across the 200 funds studied was 13.2%, against 10.58% for public equities.
- Income & Annuities
Capital Group paper lays out 4% to 5.5% withdrawal rates for target-date funds
The framework models a 30-year retirement, with fixed annual withdrawals starting at 4% to 4.5% and variable withdrawals at 5% to 5.5%.
- Retirement Advisers
Morgan Stanley survey: 45% of sponsors rank 401(k) education among their top three concerns
Participant understanding outranks benefits competitiveness among sponsors' three most important concerns, and the share naming the DC plan the single most valued benefit rose to 34%.
7 stories
- Income & Annuities
Capital Group publishes 4% to 5.5% target date withdrawal ranges
The Los Angeles manager also renamed its 2010 through 2025 target date funds to include "retirement income," pointing the funds at the spending phase.
- Plans & Sponsors
Vanguard to launch Target Retirement Growth Trusts with higher equity allocations
The collective investment trust series is built on Vanguard's existing Target Retirement foundation and holds more equity throughout the glide path.
- Investments
Devenir: invested HSA balances top $100 billion, 52% of assets
Only 11% of HSAs hold investments, yet they account for 59% of HSA assets.
- Retirement Advisers
401(k) Specialist examines AI in retirement plan advice and administration
The October installment reports participant-facing app guidance and back-office assistants for advisors, and asks which tasks still need a person.
- Policy & ERISA
Musk pledges one SpaceX share per child as Trump Account rules are debated
Aon's Grace Lattyak told a Treasury and IRS hearing that proposed rules may shortchange children of divorced or separated parents.
- Plans & Sponsors
Morgan Stanley survey: 69% of plan sponsors rank advisor a top lineup resource
The same poll of 200 sponsors found 45% cite helping employees understand the DC plan as a top concern.
- The Wrap
Investment-holding HSA accounts hold 59% of assets, Devenir finds
They make up 11% of HSAs and average $23,837, according to Devenir.
7 stories
- Plans & Sponsors
Invested assets top half of HSA market for first time, Devenir finds
Investment-holding accounts made up 11% of HSAs, averaged $23,837 and held 59% of assets.
- Plans & Sponsors
Morgan Stanley survey finds 93% of employers rank 401(k)s among employees' top five benefits
A third of plan sponsors now believe the DC plan is employees' single most valued on-the-job benefit, double the share in the 2024 survey.
- Policy & ERISA
Milliman and Marsh project $25,500 401(k) deferral limit for 2027
The forecasts also put the age-50 catch-up at $8,500 and the enhanced 60-63 catch-up at $11,750; the IRS has not yet released official limits.
- Policy & ERISA
Zero-balance 403(b) staff may still count on Form 5500, Groom attorneys say
The 2023 change generally excludes eligible zero-balance employees from the status count, but other Form 5500 lines may still require them, the attorneys say.
- Investments
Ascensus launches referral platform routing 401(k) savers to plan advisers
The recordkeeper, which administers more than $1.3 trillion for more than 16 million savers, expects 18 to 20 partner firms live on the platform within a year.
- Plans & Sponsors
Betterment adds mega-backdoor Roth to solo 401(k) plans
Advisers get automated tools to track contributions against annual limits; employer-sponsored plan support is planned.
- Plans & Sponsors
Empower survey finds one in three Americans may have lost track of old 401(k)s
The survey of 2,005 adults also finds 39% say their retirement savings are already spread across accounts from different jobs.
7 stories
- Retirement Advisers
Transamerica survey finds 64% of auto-enrolling healthcare plans miss the full employer match
Automatic enrollment rose to 77% of surveyed healthcare employers from 62% in 2024; 82% of plans enroll participants at 3% or less.
- Policy & ERISA
Eric Pan to step down as Investment Company Institute president and CEO by mid-2027
The board asked him to stay until a successor is found; he intends to leave by June 30, 2027.
- Policy & ERISA
ICI CEO Eric Pan sets June 30, 2027 departure as board seeks successor
He has agreed to stay until a replacement is found, ICI said in an Oct. 19 release.
- Plans & Sponsors
Empower: up to one in three workers may have lost track of old workplace savings
The Retirement Drift study puts the share at 50% for Gen Z and 45% for Millennials, and two-thirds of respondents wished for help explaining rollover options when they changed jobs.
- Policy & ERISA
Eleventh Circuit ends ERISA exhaustion for statutory claims
Groom Law says the unanimous ruling leaves the exhaustion requirement in place for most denial-of-benefits claims.
- Retirement Advisers
Ascensus launches referral platform routing 401(k) savers to plan advisers
The recordkeeper administers more than $1.3 trillion for more than 16 million savers; its retirement president expects 18 to 20 partner firms live by this time next year.
- The Wrap
Trump signs ESOP valuation bill granting fiduciaries good-faith appraisal defense
The House passed the Senate text 401-14 in September 2026; the defense covers fiduciaries who rely in good faith on an independent appraisal under IRS Revenue Ruling 59-60.
5 stories
- Plans & Sponsors
Gallagher 2026 report: 28% of employees see savings reaching retirement goals
The report also puts auto-enrollment at 57% of employers, managed-accounts advice at 48%, and self-service tools at 81%.
- Policy & ERISA
Trump signs ESOP valuation bill with good-faith defense for fiduciaries
Fiduciaries who rely in good faith on an independent appraisal under IRS Revenue Ruling 59-60 get a statutory defense; the House passed the Senate text 401-14 in September 2026.
- The Wrap
Treasury opens more than 60 million Trump Accounts; parents still must claim them
Baird's Tim Steffen told InvestmentNews the identity-verification claim is required before money can be added or the investment changed.
- Income & Annuities
F&G survey finds 51% of pre-retirees plan to semi-retire
Social Security uncertainty tops retirement-planning concerns, cited by 46 percent of respondents in F&G's August Censuswide survey.
- Plans & Sponsors
MFS survey: regulatory change tops DC plan sponsor concerns
Litigation risk ranks second at 47%, but fewer than one in four plans reported experiencing it.
6 stories
- Plans & Sponsors
F&G, WTW surveys find delayed retirement and lower financial security
F&G found 51% plan to semi-retire; WTW put financial security at 36%, down from 46% in 2019.
- Retirement Advisers
LIMRA: 77% of advised pre-retirees feel highly prepared for retirement vs. 47% without
The 2026 Retirement Income Readiness Report also found 76% of pre-retirees spent no more than five hours on planning steps in the last year.
- Plans & Sponsors
Cerulli: One-third of retirement plan participants had recordkeeper advice contact in past year
Participants who engaged rated their recordkeeper a 9 or 10 at a 46% rate, compared with 28% of those who did not.
- The Wrap
Auto-enrollment or auto-escalation plans average $170,000 in balances, Bank of America says
Vestwell's own 401(k) and 403(b) account holders averaged a 6.4% deferral in 2023, while 62% of surveyed employees say they should save 10% or more.
- Investments
InvestmentNews: Only 12% of retirement savers have enough to last ten years or more
The article says private equity, private credit and real assets can add long-term growth, income and diversification, with retirements that may span 30 to 40 years.
- Plans & Sponsors
WTW study finds U.S. worker financial wellbeing down 10 percentage points since 2019
Nearly half of surveyed U.S. workers say they are off track on retirement savings, and 70% of those in their 40s and 50s expect a worse retirement than their parents.