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Thought Leadership

Amassing a body of knowledge about retirement income issues, trends, products and solutions is a key focus of the Institutional Retirement Income Council. By sharing insights, opinions, best practices and evaluation tools, the IRIC is helping to ensure that plan sponsors feel confident in their decisions to enhance their defined contribution plans to include retirement income solutions.

Listen to an exerpt from Marty Schmidt, from the March 16, 2010 PLANSPONSOR Webcast, highlighting where the market is now.

Listen to an exerpt from Martha Tejera, from the March 16, 2010 PLANSPONSOR Webcast, underlining key questions Sponsors are asking.

  • The Evolving DC Plan – From Accumulation to De-accumulation View

    The Evolving DC Plan – From Accumulation to De-accumulation

    The next evolution of plan design will be the distribution options offered by employers as part of their defined contribution (DC) plans.
  • In-Plan Guaranteed Lifetime Income: Debunking Portability Myths View

    In-Plan Guaranteed Lifetime Income: Debunking Portability Myths

    In this paper IRIC outlines the questions and answers every plan sponsor should know about income portability and the solutions that exist today.
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    The Problem with Spending too Fast

    In this article, Fred Reish, et al. focus on different strategies that will produce a 'safe' withdrawal rate for individuals who participate in their employer's 401(k) or 403(b) retirement plans.
  • View

    The Problem with Living Too Long

    In this paper Fred Reish discusses the impact of increased life expectancy while 401(k) plans become the dominant form of employer provided retirement plan.
  • View

    Institutional Retirement Income Solutions White Paper

    IRIC's view as to why adding retirement income solutions to enhanced defined contribution plans is critical to the future financial security of working Americans.
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    Advantages to Offering Retirement Income Solutions

    Offering retirement income solutions provides significant advantages to both DC plan participants and employers.
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    Key Questions to Consider

    Plan sponsors should ask themselves the following preliminary questions prior to analyzing any type of retirement plan income solution.
  • View

    Evaluation Scorecard for Retirement Income Products

    In this paper, Mendel Melzer and Julie Leinenbach introduce a set of metrics that plan sponsors and their consultants can utilize in assessing the suitability of a retirement income strategy in a DC plan.
  • View

    Effective Due Diligence

    This paper highlights some of the critical issues and questions that companies may consider as they evaluate guaranteed lifetime income options.
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