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.
Closing the advice gap
Employees could benefit from advice about their retirement finances, but relatively few of them get it
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.
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.
First-generation Americans seek advice during these unprecedented times
First-generation workers remain more confident in the U.S. economy and their retirement savings than the general population.
Game plan for managing investment market volatility
The market has tended to reward those investors who don’t get rattled during market declines and stick to a long-term investment strategy.
Debt and the Retirement Savings Equation
Why financial professionals need to consider financial health within the context of households’ entire balance sheet.
Building engagement and a more personalized future through re-enrollment
As savers’ account balances may grow as they approach retirement, many investment professionals agree that theirportfolio allocations should be personalized and get more conservative.
Benchmarking your HSA: Top questions answered
An in-depth look at how employers are incorporating investment options and education in their HSAs
This Time, It’s Personal: Four Distinct Benefits of a Retirement Managed Account
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.
