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Reducing Costs of 401(k) Plans with ETFs and Commingled Trusts

Author

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  • Francis M. Vitagliano
  • Richard W. Kopcke
  • Zhenya Karamcheva

Abstract

Increasingly, employers who provide their employees with a retirement plan are relying on 401(k) and similar defined contribution plans instead of defined benefit plans. As a result, participants are paying more of the cost of managing their pension plans, which can take a substantial toll on their retirement savings. Over a 30 year career, for example, an annual fee of 0.7% of assets reduces the purchasing power of a participant's balance at the time of retirement by more than one-eighth.

Suggested Citation

  • Francis M. Vitagliano & Richard W. Kopcke & Zhenya Karamcheva, 2010. "Reducing Costs of 401(k) Plans with ETFs and Commingled Trusts," Issues in Brief ib2010-11, Center for Retirement Research, revised Jul 2010.
    • Handle: RePEc:crr:issbrf:ib2010-11
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    File URL: http://crr.bc.edu/briefs/reducing-costs-of-401k-plans-with-etfs-and-commingled-trusts/
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    Cited by:

    1. Munnell, Alicia H. & Aubry, Jean-Pierre & Quinby, Laura, 2011. "Public pension funding in practice," Journal of Pension Economics and Finance, Cambridge University Press, vol. 10(2), pages 247-268, April.

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