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A 360 Degree Approach to Retirement Preparedness

A new report from CREATE-Research and commissioned by the Principal Financial Group® explores both product-based and guidance-based solutions to address gaps in the U.S. retirement system.

The report, titled A 360 Degree Approach to Preparing for Retirement, concludes with a clear approach for each key stakeholder group — asset managers, plan participants, financial advisors and plan sponsors — to help improve retirement outcomes.

Key findings from the report (PDF: 2.98 MB) include:

  • Product innovations that are transforming both the accumulation and decumulation phases of retirement savings
  • Top factors keeping plan participants from becoming more financially secure
  • Best practices in plan design, education and retirement planning strategies

The report is based on a survey of 148 asset managers, plan sponsors and financial advisors with active involvement in the 401(k) space. The survey was followed by 30 interviews with a cross-section of respondents.

A 360 Degree Approach to Preparing for Retirement is the latest in the annual series started in 2009 by CREATE-Research and commissioned by The Principal.

Other reports produced in 2013 include Investing in a Debt-Fueled World and Asset Allocation Leaders, Laggards and Newcomers: 2009-2013. Both are available for download at


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