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Thought Capital

Retirement Plan Trends

• U.S. Hispanic Retirement Attitudes: How Cultural Influences Can Impact Retirement
  Paper outlines views/challenges associated with Hispanic retirement savings attitudes as well as solutions Principal Financial Group is implementing to help audience take advantage of employer sponsored plan.
• Wellness = Retirement Savings (PDF: 296 KB)
  Poor health can lower an employee's earnings potential over time, along with their productivity. We believe you can't separate health from wealth when it comes to helping employees plan for retirement. In this paper we explain why.
• Key Employees - Retirement Planning Concerns and Opportunities (PDF: 257 KB)
  Key employees' retirement planning needs are not identical to those of other employees. This white paper outlines the things to keep in mind when serving this segment of the population.
• Defined Benefit (DB) Plan Termination Best Practices - Part One
  Many sponsors of hard-frozen defined benefit plans are looking for insight on how to ultimately terminate their plans. Learn best practices for developing and implementing a DB plan termination strategy in a timely, cost-efficient manner.
• Defined Benefit (DB) Plan Termination Best Practices - Part Two
  Explores best practices for executing the termination of a hard-frozen DB plan, once a termination strategy is in place.
• Best Practices for Efficiency: Increasing Your Opportunities in the Small Retirement Plan Market (PDF: 374 KB)
  Find out why the current environment provides a unique opportunity for you to pursue the small business retirement plan market.
• Our View on Retirement Readiness: How to Move from a "Popular" Plan to a Successful Plan (PDF: 445 KB): Learn how to offer a more comprehensive measure of retirement readiness plus specific ways you can move the savings needle through affordable plan design changes.
• Increasing Your Opportunities in the Small Retirement Plan Market (PDF: 374 KB)
  Find out why the current environment provides a unique opportunity for you to pursue the small business retirement plan market.

Investments, Market Conditions & Fiduciary Responsibilities

• Investment Committee Best Practices (PDF: 246 KB)
  It is no surprise that fiduciaries charged with the oversight of the investment options in retirement plans subject to the Employee Retirement Income Security Act of 1974 (ERISA) have an exacting responsibility for overseeing the retirement funds held in the plans they serve. This is, however, one of those rare areas where new information from the regulators might be welcome
• The Principal^® Perspective: Winter 2011 (PDF: 1.7 MB)
  Market volatility can have a big impact on portfolio performance over time. Learn how a mix of different types of asset classes could help minimize the effects of volatility.

More Research & White Papers

• The Principal Research Center
  Access more research and insights on trends that may impact employers, individuals and institutional investors.

For more information about Principal Funds, please see the Principal Funds, Inc. prospectus or call Customer Service at 1.800.222.5852.

Investment options are subject to investment risk. Shares or unit values will fluctuate and investments, when redeemed, may be worth more or less than their original cost. This does not apply, however, to the guaranteed portions of group annuity contracts issued by Principal Life that constitute guaranteed benefit policies as defined in ERISA §401(b)(2)(B).

Insurance products issued by Principal National Life Insurance Co. (except in NY) and Principal Life Insurance Co. Plan administrative services offered through Principal Life. Securities offered through Princor Financial Services Corp. 800.247.1737, member SIPC and/or independent broker dealers. Principal Funds, Inc. is distributed by Principal Funds Distributor, Inc. Principal National, Principal Life, Princor^® and Principal Funds Distributor are members of the Principal Financial Group^®, Des Moines, IA 50392.

Investment advisory services offered by the affiliates and specialized investment groups of Principal Global Investors, the asset management arm of the Principal Financial Group.

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