Data & Research

Data covering the savings behavior of tens of millions of Americans shows continued commitment for saving through defined contribution plans. 

Eighty-five percent of investment professionals expect budgets to increase.

 

Interviews with nearly 1,000 independent advisers who custody assets at Schwab show significant optimism about growth opportunities for registered investment advisers. 

Health care expenses weigh heavily on retirees.

A majority would go into debt to fund their child’s college education.

Nearly three-quarters think the market volatility will settle down by year’s end.

New survey again confirms all-automated advisers can’t compete with humans.

Thirty-eight percent know how much they’ll need, and 40% have decided the age when they’ll retire.

But fewer than one in four part-time workers have access to such a plan.

Until 401(k) plan sponsors are more comfortable offering in-plan retirement income products, the industry must find solutions to deliver nuanced advice around retirement income to low-balance investors, Cerulli...

Protecting assets and saving for retirement are also key goals.

Forty percent plan to switch career fields when they reach the traditional retirement age.

The average age they plan to start taking the benefits is 64.

Significantly more plan sponsors intend to take action in the form of negotiating for lower fees or lower-fee share classes, eliminating revenue-sharing arrangements, or consolidating the plan investment...

Changing how information is presented to participants can improve their behavior, Bank of America Merrill Lynch finds.

Ninety percent rely on financial advisers to diversify their portfolio.

The worries are impacting many aspects of people’s lives, starting with health.

However, average deferral rates have declined slightly from their peak of 7.3% in 2007, Vanguard finds.

It’s not just a U.S. phenomenon: longer lives and the rise of defined contribution plans are creating a global need for deeper knowledge about personal savings and investing. 

Those with 100% of their portfolio in a target-date fund are the least likely to exchange funds.