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Infographic: Making a More Informed Default Investment Decision

How readily available data can help uncover a plan's retirement needs

Dan Bruns, Morningstar Investment Management LLC


When it comes to helping employees achieve their retirement goals, the default investment decision may be one of the most important choices that a plan sponsor has to make.  

Not that long ago, many plan sponsors lacked easy access to detailed information about their participants, and they often had to guess what retirement solution would work for their plan. Without such employee data, plan sponsors might have sought solutions for the “average” individual. But one size does not fit all. Retirement plans are comprised of different investor demographics; participants’ ages, savings rates, account balances, and other factors vary widely among plans and industries.  

See what available data you can use to help inform your default investment decision. 

Please see below for important disclosure. 

Read the full research paper “Stop Guessing: Using Participant Data to Select the Optimal QDIA.” 

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Important Disclosure

Morningstar Investment Management LLC is a registered investment adviser and subsidiary of Morningstar, Inc. The Morningstar name and logo are registered marks of Morningstar, Inc. Opinions expressed are as of the date indicated; such opinions are subject to change without notice. Morningstar Investment Management and its affiliates shall not be responsible for any trading decisions, damages, or other losses resulting from, or related to, the information, data, analyses or opinions or their use. This commentary is for informational purposes only. The information data, analyses, and opinions presented herein do not constitute investment advice, are provided solely for informational purposes and therefore are not an offer to buy or sell a security. Before making any investment decision, please consider consulting a financial or tax professional regarding your unique situation.

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