Posts filed under “401(k)”

The Accidental Success of the 401(k) Plan


Source: Bloomberg Visual Data

Category: 401(k), Digital Media, Taxes and Policy

What’s the problem with 401(k)s? You.

There’s nothing wrong with 401(k)s, except the players involved Barry Ritholtz Washington Post March 9, 2014     This past year has seen a firestorm of criticism casting 401(k)s as mostly terrible. Their performance is too poor, and the fees too high, with poor investment choices built into most of them. Typical plans are complicated…Read More

Category: 401(k), Apprenticed Investor, Investing, Psychology

401ks Are Not Broken, You Are

>   My Sunday Washington Post Business Section column is out. This morning, we look at the 401k. The print version headline was What’s the problem with 401(k)s? You while the online version was There’s nothing wrong with 401(k)s, except the players involved. Here’s an excerpt from the column: “What’s wrong with these plans? Human behavior,…Read More

Category: 401(k), Investing, Psychology

The 1% More Savings Calculator

How much more would you have for retirement, if only you could squeeze 1% more per year? The answer, as it turns out, is alot. Click below to find out . . .   Click here for an interactive calculator. Source: NY Times   From the article Disadvantages of a Lump Sum 401(k)

Category: 401(k), Digital Media, Investing

Typical Boomer Retirement Modest Compared to Parents’

From Bloomberg: The expectation that each successive generation will be better off financially than the prior is no longer valid. Contributing to this new reality has been the diminishing role of traditional pension plans with defined benefits in favor of 401(k) savings plans. Source: Bloomberg

Category: 401(k), Economy

Global Retirement Dilemma

click for ginormous graphic Source: Bloomberg

Category: 401(k), Digital Media, Investing

Brits Debate Capping Retirement-Plan Fees, Should the USA?

We all know that the U.S. has a looming retirement crisis. The baby boomers do not save enough for their golden years. Social Security is funded at levels that are less than ideal. Private savings in the form of Individual Retirement Accounts and tax-qualified plans like 401(k)’s also appear to be insufficient. One of the…Read More

Category: 401(k), Apprenticed Investor

The Art of Choosing

The art of choosing

Sheena Iyengar studies how we make choices — and how we feel about the choices we make. At TEDGlobal, she talks about both trivial choices (Coke v. Pepsi) and profound ones, and shares her groundbreaking research that has uncovered some surprising attitudes about our decisions.

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How to make choosing easier

We all want customized experiences and products — but when faced with 700 options, consumers freeze up. With fascinating new research, Sheena Iyengar demonstrates how businesses (and others) can improve the experience of choosing.

Category: 401(k), Corporate Management, Really, really bad calls, Video

Shorter WSJ: Beware Target Date Funds

Missing the Target Source: WSJ   You may have missed the WSJ’s takedown on Target-date funds this weekend. Its a must. The idea of target date funds are a form of auto-pilot that automatically shifts allocations into more bonds less stocks as the investor ages. Target date funds now manage about $550 billion dollars. The…Read More

Category: 401(k), Investing, Mutual Funds

Most Human Males Never Retired (they just died)

Click to enlarge Source: The Motley Fool   “The entire concept of retirement is unique to the late-20th century. Before World War II, most Americans worked until they died.”   The quote above is from Morgan Housel. He has become the most consistently interesting writer on Motley Fool (a site I never really grokked). I was reminded…Read More

Category: 401(k), Employment, Investing, Mathematics