The post Must 401k Plan Sponsors Must Tackle Decumulation? appeared first on Fiduciary News.

The reality is that many retirement planning decisions already require participants to evaluate concepts they may not fully understand. That reality raises an important question. Should a plan exclude a potentially beneficial option simply because some participants may find it difficult to understand?

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Who will attend meetings? Who will prepare reports? Who will respond to participant questions? Who will provide investment recommendations? Who ultimately bears fiduciary responsibility?

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That does not necessarily mean fiduciaries should expect a wave of new regulations. Existing direction may already point fiduciaries toward the safeguards regulators expect them to implement.

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An employer should look at what they need to do to attract and maintain talent. Once a need is established, the employer must assess all the different technologies and services a 3(38) can provide.

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ERISA does not require fiduciaries to predict market tops. It does, however, require a prudent process for selecting and monitoring investments.

The post What The Dot-Com Crash Still Teaches 401k Fiduciaries About The AI Stock Craze appeared first on Fiduciary News.