PLANADVISER - July/August 2018 - 21

Customization for More Control
Tailoring the plan helps sponsors diversify investments
AS defined contribution (DC) plans
represent a growing share of U.S.
workers' retirement savings, plan sponsors
may want to consider whether
they should offer custom investment
solutions in those plans, Vanguard
says in a new white paper, " Considering
Custom for Your DC Plan. "
But aside from moving to custom
investment choices, plan sponsors also
need to increase participant contributions,
minimize their early withdrawals
and reduce all-in plan fees.
" These strategies typically have more
influence on participant outcomes
than changes to a target-date fund
[TDF] glide path or the creation of a
white-label fund, " Vanguard says.
Should a plan
sponsor decide
to use a custom
approach, one
option will be
white-label funds.
Should a plan sponsor decide to use
a custom approach, one option will be
white-label funds; their name reflects
their asset class or objective and can
be single-manager, single-asset-classmultimanager,
multi-asset-classmulti-manager
or custom target-date
fund.
Before selecting a target-date fund,
sponsors need to consider the provider's
underlying assumptions about the
participants. If those are incorrect for
your participant base, you may want to
consider a custom TDF, Vanguard says.
Other benefits of customization
include broader diversification,
a simpler naming convention that
may minimize portfolio construction
errors, tailored asset allocation and the

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PLANADVISER - July/August 2018

Table of Contents for the Digital Edition of PLANADVISER - July/August 2018

Speaking Their Language
Stretching the Match
Giving Them a Break
Managed Accounts' Value
Principal Transactions
Statute of Limitations
Prohibited Transaction Relief
PLANADVISER - July/August 2018 - C1
PLANADVISER - July/August 2018 - FC1
PLANADVISER - July/August 2018 - FC2
PLANADVISER - July/August 2018 - C2
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PLANADVISER - July/August 2018 - 43
PLANADVISER - July/August 2018 - Speaking Their Language
PLANADVISER - July/August 2018 - 45
PLANADVISER - July/August 2018 - 46
PLANADVISER - July/August 2018 - 47
PLANADVISER - July/August 2018 - Stretching the Match
PLANADVISER - July/August 2018 - 49
PLANADVISER - July/August 2018 - Giving Them a Break
PLANADVISER - July/August 2018 - 51
PLANADVISER - July/August 2018 - Managed Accounts' Value
PLANADVISER - July/August 2018 - 53
PLANADVISER - July/August 2018 - Principal Transactions
PLANADVISER - July/August 2018 - Statute of Limitations
PLANADVISER - July/August 2018 - Prohibited Transaction Relief
PLANADVISER - July/August 2018 - C3
PLANADVISER - July/August 2018 - C4
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