All of the time, effort, and investment that go into managing 401(k) plans comes down to one thing: sponsor and participant outcomes. So many elements go into driving participant outcomes that you could be forgiven for thinking everything that can be done is being done. That’s not the way they think atVanguard那however, and that matters because the firm is one of the few players in the space that can drive truly revolutionary change for the benefit of defined contribution (DC) plan participants.
Vanguard的最新努力是一个值得信赖的合作伙伴，近1,500个计划的赞助商，是提供一种技术驱动的方法来规划管理，从根本上重塑DC赞助商和参与者的企业退休计划经验。为此，他们正在与下一代数字服务和咨询的全球领导者合作，具有深入的专业知识，帮助公司部署转型化技术以增强其业务。
“在改善结果的关键处于个性化的级别，琥珀Czonstka，校长和先锋客户经历的秘书长说。“业内许多人依赖于地表级别的个性化和计划设计来推动行动。业界的一部分限制是，通常有一种尺寸适合计划设计的所有方法。在Vanguard，我们多年来一直致力于更深层次的个性化。“
Vanguard is continuing to redefine personalization via an Infosys solution called Genome. “They call it Genome because it’s like the DNA of a person,” says Czonstka. “It creates a data picture of who a participant is and how they behave when they interact with us, and as a result we will be able to tailor experiences and actions that are completely individualized to each person. And we believe that will drive outcomes. By just changing to a more个性化方法over the past few years at Vanguard, we’ve already seen participants take action whenever they receive an automated nudge or are served up a message around financial well-being. If we take this to the next level and start to personalize imagery, tone, and behavioral characteristics about the participant, we think we’re going to see more participants taking action towards financial well-being than ever before.”
两种类型的结果
关于结果的投资相关讨论通常关注回报，但何时谈到DC参与者，这只是一种可能的结果。另一个是增加的参与，这可以导致金融福祉。
“我们的衡量结果的基线是参与者对其财务健康的下一个最佳行动进行了接下来？”Czonstka说。“我们有一个层次结构，确定每个人的下一个最佳动作是什么。它可以进入正确的资产分配或右资产混合，无论是通过目标日期基金自动在滑行路径还是利用advice。If they have hit all of the financial markers, an improved outcome could be naming a beneficiary – if they haven’t already – or increasing their contribution. We measure outcomes at the individual level. Something we’re seeing more and more is plan sponsors being concerned about participants’ financial well-being outside of the plan as well as in the plan. Have they thought about contributing to an emergency fund, for example? We believe we’ll be able to have a holistic view of a participant’s financial picture that we haven’t had historically, and start to measure outcomes and our view of success on overall financial health.”
Plan design was once the beginning and end of DC discussions, and then an early version of personalization emerged – participants were put into groups based on age and how long they had to save. At Vanguard, the goal is to consider each individual.
“We’re not just offering a next best action for you to take through an email or when you log onto the web,” says Czonstka. “We’re now focused on an omni-channel way of tailoring the individual experience in real time. We call it hyper-relevance and believe it’s the key to driving outcomes. And, frankly, it’s an expectation now. Our participants expect the same experience from us as they get from Amazon and Uber – they want us to know them at a deeper level. As record-keepers, if we don’t evolve our technology to meet or exceed the expectations that our consumers have around digital service providers, we’re going to get disrupted.”
使用诸如动态分析，模块化内容和AI等工具，Vanguard将设置为改变每个参与者在渠道的体验，并实时适应他们的需求。例如，想象一下，参与者通常会随着时间的推移看待他们的帐户性能。Vanguard杠杆杠杆的新技术将适应它们通常使用的功能将移动到最前沿。这也是当参与者可能得到自动化的时候鼓励他们继续对金融福祉采取正确行动的时候。
现在让我们说参与者从他们的常规中断并开始研究有效的股票产品。实时，系统将在投资组合分配上运行视频，例如，因为它会识别参与者正在查看不同的主题。亚慱体育app甚至进一步扩展，如果系统学习参与者真正喜欢以视频格式接收通信，它可以使用模块化内容并创建定制视频，以便在参与者最终订婚的确切时刻服务。亚慱体育app如果参与者然后注销并拨打呼叫中心，则会立即提醒员工，参与者只是在网上看。结果是定制的谈话拾取参与者离开的地方。
“我们认为能够在他们展示他们关心其退休账户及其金融福祉时适应参与者的需求至关重要。我们真的认为这将是我们的游戏变更者，“Czonstka说。“这使我们能够从结果的起点撤销参与者经验。这是整个意义 - 这不是关于体验本身，这是关于帮助参与者达到他们正在寻求的结果。“
赞助商可以了解有关Vanguard计划的更多信息，以推动一个改善的结果新网站。
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目标日期基金的投资受其基础资金的风险。基金名称的年份是指基金中投资者退休并留下劳动力的投资者的大约年份（目标日期）。该基金将逐步向重点转移到更加侵略性的投资，以基于目标日期的更多保守派。在目标日期或之后，任何时候都不保证目标日期基金的投资。
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