Empower Institute

Cybersecurity - How advances in retirement recordkeeping technology can protect both companies and employees.

As savers’ account balances may grow as they approach retirement, many investment professionals agree that theirportfolio allocations should be personalized and get more conservative.

An in-depth look at how employers are incorporating investment options and education in their HSAs.

Retirement represents the biggest expense most people will ever face. So it’s no surprise that retirement-related goals dominated the top answers employees gave when asked which financial goals or needs are most important to them.

This paper presents new insights including how RMAs influence investor behavior, encourage increased saving rates, provide personalized and appropriate diversification, and help provide lifetime income. 

As new technologies reshape our understanding of retirement options and create transformative new opportunities, we’re entering a new era of retirement innovation.

Cutting back on jargon and delivering communications where participants want to receive them can help put employees on the right track.

Open multiple-employer plans allow small businesses to band together under one workplace plan.

Employers who use nudges strategically can drive better retirement savings outcomes for their employees.

The white paper shows that employees who use HSAs as a long-term financial planning tool consume healthcare more efficiently over time, saving money both for themselves and for their employers.

Millennials on track to replace 75 percent of their income in retirement, compared to 64 percent for Americans overall.