Pension Protection Act of 2006

401(k) plans have become the primary source of retirement income for many people. The Pension Protection Act of 2006 makes it easier for employers to offer automatic enrollment, which helps with universal participation.

Many of the Pension Protection Act's changes were the result of behavioral finance research, including default investment options and enabling employers to provide investment advice. Policymakers recognized that many plan participants lacked the time, expertise, or desire to get the investment education they need on their own.

Although the Pension Protection Act of 2006 represents a great step forward in improving retirement security, much is left to the individual investor to make the program work:

• Asset allocation
• Diversification
• Fees and expenses
• Risk
• Timing
• Rebalancing
• Time horizon
• Emotions

Visible Investment Advisors offers a one-hour employee seminar that provides independent advice on these topics and more. Contact us to learn more.