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Tag "behavioral economics"

The Shocking Truth of Supply and Demand in the Markets and the Retirement Saver’s Best Interest

    The Shocking Truth of Supply and Demand in the Markets and the Retirement Saver’s Best Interest

“Retirement savers must maintain long-term orientation regarding their assets. Supply and demand shock and generally easy to identify and often temporary in nature. These shocks often bring out the worst in decision making for investors. Astute investors will want to recognize this for what it’s worth: the opportunity to stand athwart the crowds in the market and purchase at cut-rate prices.”

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What Bagels, Loss Aversion, and Reframing the Company Match Can Show the 401k Fiduciary About How to Help Employees Save More Money for Retirement

    What Bagels, Loss Aversion, and Reframing the Company Match Can Show the 401k Fiduciary About How to Help Employees Save More Money for Retirement

If it is true the fear of loss motivates people more than the offer of a gain, then the traditional 401k company match framework is designed improperly. Currently, employees are promised a reward for contributing in their 401k plan. Think of this as the carrot urging people to save for their retirement. What if, instead of using a carrot, plan sponsors reframe the “match” in terms of a stick?

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Will Record Breaking Market be the Anchor that Sinks 401k Savers?

    Will Record Breaking Market be the Anchor that Sinks 401k Savers?

With a GOT-based strategy, expectations are predicated on needs, not the happenstance of the market. GOT-based portfolios may not have the record-breaking excitement of market indices, but it’s slow-and-steady-wins-the-race philosophy may lead to a more comfortable retirement.

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How the 401k Fiduciary Can Help Retirement Savers Make Better Decisions (Part I)

    How the 401k Fiduciary Can Help Retirement Savers Make Better Decisions (Part I)

“The want/should dichotomy addresses headed on the conflict between the instantaneous gratification derived from buying something today and the delayed gratification inherent in saving more for retirement.”

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FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 4/8/16

    FiduciaryNews.com Trending Topics for ERISA Plan Sponsors: Week Ending 4/8/16

Fiduciary 24/7; Hidden Fees; and the Bleeding Begins…

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FiduciaryNews Trending Topics for ERISA Plan Sponsors: Week Ending 10/9/15

    FiduciaryNews Trending Topics for ERISA Plan Sponsors: Week Ending 10/9/15

The Camel’s Nose. the Faustian Fiduciary Bargain, and an Ode to the Annuity.

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FiduciaryNews Trending Topics for ERISA Plan Sponsors: Week Ending 5/9/14

RetirementCare coming soon? Fee Policy Statement coming soon? Behavioral smacks MPT.

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Plan Sponsor Alert: Behavioral Finance Reframing Future of 401k

It’s clear behavioral finance and economics studies will continue to define the leading edge of 401k design and implementation.

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How Investment Theory Explains 401k Plan Sponsors’ Evolving Fiduciary Duties

A three-ring circus might get you excited but, face it, would you rather spend time trying to solve Rubik’s Cube or eating wedding cake?

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FiduciaryNews Trending Topics for ERISA Plan Sponsors: Week Ending 5/3/13

A rising market leads to sunshine, happiness and the comforting feeling that everything will be all right. Read this if you’re not fooled into complacency.

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