"To Roth or Not to Roth," that is the title question of Christopher Carosa's latest FiduciaryNews.com article about 401(k) rollovers.
Topic Archive: News
More and more small, professional companies are interested in new comparability, or cross-tested, plans.
Even as target date funds have become staples in 401(k) investment menus, there continue to be questions about their appropriateness as participants approach retirement age. Is the target date meant to be to or through retirement? Is the participant ahead or behind his or her savings goal? These are questions participant should answer to determine whether to stay the course or consider an alternate asset allocation.
Once primarily the domain of 401(k) plans of professional organizations such as law firms or medical practices, the self-directed brokerage window has become a more common option in plans sponsored by other types of business. But offering participants the ability to invest outside of the pre-determined fund lineup comes with its own set of additional fiduciary considerations.