Empower Institute
The Empower Institute explores many aspects of the retirement savings puzzle and works to blaze the trail on potential solutions to some of the most vexing challenges on this front facing the American worker today.
Retirement as a Last Resort: How Americans cope with financial need
Data shows most plan participants want to avoid taking money out of their retirement accounts.
It’s not about generations
Employers can better understand workers’ needs by studying their past experiences and personal backgrounds.
Advice and crisis: Unprecedented volatility reveals the value of fiduciary advice
For many Americans, the current pandemic has caused a current state of financial instability and insecurity.
How new financial advice rules affect retirement plans
Research shows that those who receive financial advice are more likely to stay on track with their long-term investing strategies.
HSA prognosis: Good, but large dose of knowledge needed
While many workers remain unclear on the financial benefits an HSA can provide, there is a clear opportunity for employers to offer more essential education.
How COVID-19 is affecting retirement plans overall
Employers are adapting plans and communications strategies in response to the pandemic.
How COVID-19 is affecting larger employers’ retirement plans
The survey’s findings suggest that large employers are committed to adjusting their retirement plans in response to the pandemic.
How COVID-19 is affecting smaller employers’ retirement plans
Like many other aspects of our lives, employees’ confidence in their retirement plans has undergone rapid change due to the COVID-19 pandemic.
Time for a reset?
By offering a way to reset a retirement plan to the default investment options, plan fiduciaries can help guide self-directed investors back to age-appropriate investment allocations.