看看你的退休计划
Many older Americans probably remember when defined benefit plans were considered commonplace. 在那段时间里, pensions were standard and workers could count on receiving guaranteed automatic payouts in their retirement from their employers. These pensions were based on a formula that took an employee’s salary and the number of years they worked into consideration to determine their monthly income in retirement.
在很大程度上，这种情况已不复存在.
Nowadays, it’s up to each individual employee to fund their retirement. 但是，今天的员工不一定确定从哪里开始. 结果是, 根据AON的意图l Deal研究, only one in three workers will save enough to retire comfortably by age 67. 这不是一个了不起的统计数字.
The study estimates that employees should defer 16 percent of their annual pay (including employer contribution), 从25岁开始, 积累.1x pay at age 67 – the amount the average employee needs to save for an adequate retirement.
But just because the responsibility ultimately lies with your employees doesn’t mean that you should be content to do nothing to help them reach their goal. 作为贵公司退休计划的受托人, your responsibility is to help your employees make the best possible financial choices for their future. Failure to act in your employees’ best interests could result in penalties for noncompliance of carrying out your fiduciary responsibilities.
超越受托责任
公司需要提供的不仅仅是薪水和福利. Retirement readiness options can actually help your business attract and retain employees. One of the main reasons employees find company retirement plans so appealing is that many don’t save for retirement outside of the workplace. 即使对一些高收入的人来说也是如此, the company-sponsored retirement plan is their main source of retirement savings.
有竞争力的退休计划也能激励年轻员工. 有一个好的计划, they see an opportunity to grow their wealth within the company rather than seeking their fortune elsewhere. 在大都会人寿最近的一项研究中, four out of 10 employees said retirement benefits are a huge factor when deciding to stay with their employer. 有趣的是, 在千禧一代中尤其如此, who feel the strongest about this compared to their generational counterparts.
读也: IRA受益人Vs. 指定受益人
让员工入伙的方法
Plan sponsors who deploy the following actions can achieve greater results when it comes to enrolling their workforce into the company’s retirement plan and, 反过来, 希望留住有价值的人才.
告诉他们“为什么”
人 tend to care more about their current spending needs and less about their future financial wellness. 这可能是由于即时满足的好处, but some scholars argue the retirement education employees receive (or lack thereof) from their employer may be making this problem worse.
Just showing employees what they need to retire instead of explaining how to get there and why it’s important can have a detrimental effect. Sometimes employees see a big figure and figure “why bother – it is never going to happen.” Communicating regularly and compellingly with employees is the key to solid participation.
采用自动注册功能只会让你赚大钱 &)分
At a time when few employees will make a conscious decision to save a portion of their paycheck, a national survey conducted by American Century Investments found that workers are actually in favor of more aggressive defaults. The study found that “plan participants count on their employers’ direction and guidance in helping save and invest for retirement.” The same study also reported that around 70 percent of respondents believe automatic enrollment is something their employer should do as well as offer regular, 增量式自动增长. Plans with automatic enrollment have an 88 percent participation rate. 相比, less than half of employees participate in plans that require them to enroll themselves.
用稳定的月度预算帮助员工做得更好
Your employees might also appreciate a few tips to help them free up some of their day-to-day funds. 一般预算知识, 包括家庭开支, emergency savings and credit card debt are valuable to those looking for ways to make their money go further.
Researchers have found that more than half of consumers consider the development and follow-through of a monthly budget as a top financial priority, while nearly 80 percent are looking for additional financial education. This is a great opportunity for plan sponsors to step up and provide meaningful information to participants in a way that is valuable to them. 在这一点上, they will likely be willing to learn more about executing a retirement savings strategy as well.
提供选项
Pre-tax and post-tax features and expanded investment and enrollment options give the employee an enhanced feeling of control, 这可以转化为更高的入学人数.
Another compelling feature is a strong matching program – especially one that’s tied to tenure or promotions.
结合, making a Health Savings Account available is also an excellent way for workers to save for retirement. 因为HSAs从不纳税, a small amount contributed to an HSA can really add up to significant income in retirement to cover medical costs.
投资于员工是关键. Even better is finding the right balance between plan features and education for participant success in reaching their retirement goals. 打电话给我了解更多信息.
By Paul McEwan，注册会计师，MTax, AIFA® (新费城办事处)