Opinions

Opinions |

IMHO: It's About Time

It may have lacked the hoopla of a midnight Harry Potter release, but in retirement industry circles, last week's publication of the Department of Labor's final regulations on...
Opinions |

IMHO: Heightened Sensibilities

I was at a conference a couple of weeks ago, when the CEO of a large, national consulting firm stood up and commented on the increased fiduciary burden...
Opinions |

IMHO: The Devil in the Details

The testimony presented at last week's hearing by the House Education and Labor Committee on the issue of 401(k) fees was remarkably consistent, IMHO, certainly compared with the...
Opinions |

IMHO: Impact Full

In a business notorious for change, it nonetheless seems fair to say that the past twelve months have been extraordinary ones indeed.
Opinions |

IMHO: PPA's Sway

These days, the Pension Protection Act of 2006 (PPA) is sometimes referred to as the "Pension Destruction Act." That's too harsh an assessment, IMHO, but it certainly has...
Opinions |

IMHO: Question "Marks"

Without question, asset-allocation solutions—particularly target-date fund solutions—are well on their way to becoming a dominating force on retirement plan menus.
Opinions |

IMHO: For the People, By the People

Last week, no fewer than a dozen industry trade organizations put their collective heads together and tried to help the Department of Labor—which has been working on a...
Opinions |

IMHO: Other People's Money

I was on a panel at our recent Plan Designs conference, and the topic of qualified default investment alternatives (QDIAs) came up.
Opinions |

IMHO: "Might" Makes Right?

Last week the Government Accountability Office (GAO) published a 67-page report titled "Conflicts of Interest Involving High Risk or Terminated Plans Pose Enforcement Challenges."
Opinions |

IMHO: Fighting Words

With all the tact of a law professor dressing down a first-year student, U.S. District Judge John Shabaz of the U.S. District Court for the Western District of...
Opinions |

IMHO: A Prospective Perspective

Plan sponsors who think the Pension Protection Act's automatic enrollment safe harbor represents an easy solution to disappointing participation rates may have another "think" coming, according to the...
Opinions |

IMHO: The 80/20 Rule

Sooner or later in your career, you are exposed to the 80/20 rule or, as purists term it, the Pareto principle.
Opinions |

IMHO: The Lure of Averages

Those of you who find Fidelity's updated research results a bit "rosy" compared with other projections may recall comparable results from their readiness index a year ago.