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Participant Distribution Decisions Have Implications for Plan Design
PLANSPONSOR; free registration may be requiredLink to more items from this source
Sept. 17, 2015
"The tendency of participants to preserve plan assets at retirement supports the notion of 'through' glide paths in target-date fund (TDF) design, Vanguard suggests. In other words, target-date designs should encourage an investment strategy at retirement that recognizes assets are generally preserved for several years post-retirement. Also, with the rising importance of lump-sum distributions, participants will need assistance in translating these pools of savings into a regular income stream. Based on current retirement-age participant behavior, most of these retirement income decisions will be made in the IRA marketplace, not within employer-sponsored qualified plans[.]"

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