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Mobile workforce (or job-changing participants) blog posts
The ABCs of Roll-ins
This video presentation is designed to give the viewer a basic understanding of the concepts of qualified plan roll-in contributions.
First Half of 2016: A Look-Back at the Headlines Driving a New "Auto" for 401(k) Plans
In the first half of 2016, not only has the retirement industry awakened to the problem of cashout leakage, but it's begun to acknowledge its root cause: a lack of retirement savings portability. At the same time, Auto Portability has emerged as the only viable solution to cashout leakage, delivering portability for the small-balance (less than $5,000) job-changer, automatically moving their balances forward when they change jobs and enroll in a new plan. Let's look-back at the first half of 2016 and see how Auto Portability may now be poised to become an "overnight success" in the not-too-distant future.
Interesting Finding Emerges from the Auto Portability Simulation
When the Auto Portability Simulation (APS) model was recently unveiled at EBRI's 78th Policy Forum, a lot of attention was paid to the "marquee" numbers, and rightly so. I am referring here to the $154 billion reduction in cashout leakage, as well as the $115 billion increase in plan-to-plan roll-ins that occur under the adoption of Auto Portability.
Advice college graduates won't hear at commencement: "Strive for 25"
As they set out into the working world, RCH President & CEO Spencer Williams counsels the Class of 2016 on the importance of developing good saving habits from the very beginning. Using the phrase "Strive for 25" Williams notes that the $25,000 retirement savings threshold is a critical milestone that all graduates should target.
Auto Portability Simulation Model Unveiled at 78th EBRI Policy Forum
On May 12th, Retirement Clearinghouse President & CEO J. Spencer Williams unveiled the Auto Portability Simulation (APS) at the Employee Benefit Research Institute's 78th Policy Forum. The APS was developed by Retirement Clearinghouse in conjunction with Dr. Ricki Ingalls, Chair of Computer Information Systems at Texas State University, and Principal at Diamond Head Associates, Inc.
What you won't hear in commencement addresses
In his May 9th article in MarketWatch's Retirement Mentors blog, RCH President & CEO Spencer Williams offers sage advice to college graduates as they enter the workforce: consolidate your retirement savings!
What the DOL's Fiduciary Rule doesn't say
The Department of Labor's much-anticipated Fiduciary Rule is ushering in many changes across the retirement services landscape, and the new rules governing the "what, how and why" for advice at the time of a participant's job change will undoubtedly transform the rollover-to-IRA market. However, a closer reading of the Fiduciary Rule sends a clear, if unstated, signal to plan sponsors, financial advisors and record-keepers' absent a compelling reason to roll over to an IRA, keep participants invested in a qualified defined contribution plan throughout their working lives.
Roll-In Services are a Slam Dunk for Sponsors & Participants
In his April 1st, 2016 article in MarketWatch, RCH's CEO Spencer Williams describes the sting that retirement savers feel -- not once, but twice -- when they choose to cash out their 401(k) savings.