Retirement Strategies In 2024 Focus On Flexibility And Income
Retirement Strategies In 2024 Focus On Flexibility And Income
Jessica Sclafani, global retirement strategist at T. Rowe Price, notes that consultants and advisors are seeking "solutions that offer choice, personalization, flexibility and are cost-effective." The study shows a preference for simple, systematic withdrawal capabilities as the most appealing strategy for delivering income to retired participants.T. Rowe Price's new 2024 Defined Contribution Consultant Study highlights significant shifts in retirement planning strategies, particularly when it comes to personalization and retirement income.
普信集團的2024年度企業年金顧問研究報告突顯了在養老計劃策略方面的重大變化，尤其是關於個性化和養老收入的變化。
The study, which surveyed 35 leading firms, reveals that consultants, advisors, and plan sponsors have significantly shifted their strategies and priorities over the last few years.
這項研究調查了35家領先公司，發現顧問、顧問和計劃發起人在過去幾年中顯著轉變了他們的策略和重點。
A striking change since 2021 is the increased engagement with retirement income strategies. In 2021, 59% of consultants and advisors reported that over half of their plan sponsor clients had no clear stance on retirement income. By 2024, this figure plummeted to 19%, indicating a growing prioritization of retirement income in plan offerings.
自2021年以來的一個引人注目的變化是與養老收入策略的增加互動。2021年，59%的顧問和顧問報告稱，他們超過一半的計劃發起人客戶對養老金收入沒有明確立場。到2024年，這一數字暴跌至19%，表明養老金收入在計劃提供中的優先級正在增加。
Jessica Sclafani, global retirement strategist at T. Rowe Price, notes that consultants and advisors are seeking "solutions that offer choice, personalization, flexibility and are cost-effective." The study shows a preference for simple, systematic withdrawal capabilities as the most appealing strategy for delivering income to retired participants.
普信集團全球養老策略師傑西卡·斯克拉法尼指出，顧問和顧問正在尋求「提供選擇、個性化、靈活性且具有成本效益的解決方案」。研究顯示，對於爲退休參與者提供收入的最具吸引力的策略是簡單的系統性提款能力。
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Personalization, especially for near-retirees, emerged as a key theme. Managed accounts are gaining traction as opt-in investment options, though target date funds remain the predominant default investment alternative. The study also reveals strong support for transitioning from mutual fund-based target date solutions to collective investment trusts, primarily for cost efficiency.
個性化，特別是針對即將退休的人士，成爲一個主題。託管帳戶作爲選擇加入的投資選擇正在獲得認可，儘管目標日期基金仍然是主導的默認投資替代方案。研究還顯示，強烈支持從基於共同基金的目標日期解決方案過渡到集體投資信託，主要是爲了成本效率。
Fixed income strategies have evolved in response to post-pandemic interest rate increases. The study reports that 89% of respondent firms now prioritize diversification opportunities, up from 48% in 2021. There's also growing support for non-traditional bond allocations within target date solutions, with active management favored in high-yield bonds and emerging markets debt.
固收策略已經針對後疫情時期利率上漲做出調整。該研究報告稱，現在有89%的受訪公司將多樣化機會作爲優先事項，高於2021年的48%。目標日期解決方案中非傳統債券配置得到了增強支持，積極管理在高收益債券和新興市場債券方面備受青睞。
The research anticipates growth in in-plan emergency savings programs, with 70% of firms expecting such offerings to become more common within the next three to five years.
研究預計計劃內緊急儲蓄計劃將增長，70%的公司預計未來三到五年內此類提供將更加普遍。
These findings underscore a significant shift in the retirement planning landscape, with increased focus on personalized, flexible, and cost-effective solutions to meet the evolving needs of plan participants across different life stages.
這些發現突顯了養老規劃領域面臨重大轉變，更加註重個性化、靈活和成本效益的解決方案，以滿足不同生命階段的計劃參與者日益變化的需求。
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譯文內容由第三人軟體翻譯。