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The Frugal Fiduciary Small Business 401(k) Blog

Get the latest industry news, deadlines and tips you need to know to help tackle your fiduciary responsibility needs.
JP Morgan publishes a piece on choosing target date funds for your plan. Good points made, but even better points are left out.

JP Morgan publishes a piece on choosing target date funds for your plan. Good points made, but even better points are left out.

By: Greg Carpenter

December 23rd 2014

Managers of target date funds should be evaluated on their ability to add value net of fees. Plan sponsors should ask what value will I get for my money vs fees.
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Hiring an ERISA 3(38) Investment Manager can be the simplest way to limit 401(k) investment liability.

Hiring an ERISA 3(38) Investment Manager can be the simplest way to limit 401(k) investment liability.

By: Greg Carpenter

October 15th 2014

The need for a professional investment manager for small business retirement plans should not be overlooked. It limits 401(k) investment liability
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Brokerage Windows in 401(k) Plans: Nope. Not even if they say “pretty please.”

Brokerage Windows in 401(k) Plans: Nope. Not even if they say “pretty please.”

By: Greg Carpenter

September 10th 2014

Brokerage windows are risky, potentially very expensive and appropriate for only a very small fraction of 401(k) investors. Use the fiduciary responsibility model
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Low-cost target date index funds will fundamentally reshape the market for small business retirement plans – and soon!

Low-cost target date index funds will fundamentally reshape the market for small business retirement plans – and soon!

By: Greg Carpenter

June 25th 2014

Target date index funds (TDIFs) are universally available. TDIFs are cheap to own and trade. There are few or no restrictions on redemptions.
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Here’s how our small business 401(k) plan clients use low-cost investments. Not the conventional wisdom. Part 2 of 3

Here’s how our small business 401(k) plan clients use low-cost investments. Not the conventional wisdom. Part 2 of 3

By: Greg Carpenter

May 14th 2014

Our small business 401(k) plan clients choose ETFs with low costs and passive management. ETFs are positioned as core alternatives providing broad market exposure at a low cost.
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Guess what percentage of ETF assets are actively managed?

Guess what percentage of ETF assets are actively managed?

By: Greg Carpenter

October 8th 2013

There are only 64 actively managed ETFs, and two of those (two popular PIMCO bond investments) account for over half of all of the assets. Why?
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The ETF moment?

The ETF moment?

By: Greg Carpenter

July 10th 2013

We over here at the Frugal Fiduciary haven’t shied away from our admiration for that nimble investment vehicle, the ETF.
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Self-directed investing in 401(k)s: Paternalism or Freedom?

Self-directed investing in 401(k)s: Paternalism or Freedom?

By: Greg Carpenter

June 19th 2013

When it comes to plan sponsors, is offering self-directed investing in a 401(k) a question of paternalism or freedom? The Frugal Fiduciary weighs in.
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401(k) Investing: Trends

401(k) Investing: Trends

By: Greg Carpenter

June 12th 2013

Small businesses are starting to forego active management and making low cost investments instead. 401(k) investing adjustments are made to fit the new standard of living.
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The 30 Minute Rule: Self-Directed Investing in Your 401(k)

The 30 Minute Rule: Self-Directed Investing in Your 401(k)

By: Greg Carpenter

April 17th 2013

Find out why investors research before dealing with 401(k) fees and investments. Never invest in something you don’t understand after 30 minutes of research.
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