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CIT vs. Mutual Fund: Which Is Better for Your 401(k)?
A CIT usually costs less than the mutual fund version of the same strategy, but not always. Here’s what separates the two, where the savings actually come from, and which plans can use one.
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What Happens If a Committee Doesn't Follow Its Investment Policy Statement (IPS)?
An IPS can work for your committee or against it, and the difference is usually one word. A policy that says the committee will remove a fund is a promise. One that says the committee may remove it is a guideline.
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What Is a Qualified Default Investment Alternative (QDIA)?
A QDIA is the investment your plan uses when an employee never picks one, whether they were enrolled automatically or just skipped the investment election, and only certain investments qualify.
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What Does an Investment Advisor Actually Do for a Retirement Plan Beyond Picking Funds?
Fund selection gets the attention, but ongoing oversight, monitoring, and fiduciary support are often where an investment advisor provides the most value.
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Should Your Retirement Plan Use a 3(21) or 3(38) Investment Fiduciary?
Understanding how 3(21) and 3(38) fiduciary arrangements differ can help committees align their governance structure with their desired level of investment oversight.
