Investment Solutions
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PrintThere are different types of participants in every plan. Acknowledging and understanding the behavior of each participant type is critical to evaluating and offering appropriate defined contribution investment solutions. To serve each participants’ investment needs, J.P. Morgan has long been a proponent of a three-tier menu -- each tier aligning to one of the three most common participant types: Delegator, Doer, and Sophisticate.
Providing a comprehensive selection of investment choices within this three-tier framework is the first step in helping your participants retire when and how they want to. To help ensure the investment strategies will best serve your participants, each strategy was run through our proprietary screening process taking into account: manager tenure, investment process, fees, strategy performance and associated risk. The chart below offers more information on participant type and corresponding investment strategies.
- An important tool for plan sponsors should be their Investment Policy Statement or IPS
- Is High Yield an Appropriate Fund Option in a 401(k) Plan?
- Testimony before the U.S. Department of Labor and the Securities and Exchange Commission’s Hearing on Target Date Funds and Similar Investment Options
- What Is a Completion Strategy and Why Might This Approach Benefit My Target Date Strategy?
- Are Target Date Funds “Broken?”
- Financial Markets Causing Investors to Seek Stable Refuge
- SmartRetirement Target Date Strategy Hits it's 3 Year Track Record
- Managing Inflation Risk for Target Date Funds
- Selection Approach for Target-Date Solutions
- Market Down-turn Causing Some Participants to Choose Safer Assets
- Looking Beyond The Numbers: Understanding Your Managers' Investment Philosophy
For questions regarding your personal 401(k) plan, contact your 401(k) plan provider.
Source: J.P. Morgan Retirement Plan Services 2005.