Anne Tergesen

speaker

4,485 appearances 83 recordings 1 series first heard Jul 2017 last heard Feb 2025

Anne Tergesen’s voice in public audio — every appearance, attributed to the second.

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For example, they might take into account things like your gender, your income, your savings rate. matched

Well, usually the way they're marketed and I think the appeal is that they're going to do something customized for you. matched

So the idea is I'm a unique person. matched

I have unique financial needs. matched

The older you get, the more complicated your financial life tends to be. matched

So this pitch of personalized 401k or something that's uniquely customized to you resonates with people. matched

It's interesting because there's data that the record keeper just knows about you. matched

You don't have to actually tell them how old you are. matched

You don't have to tell them what state you live in. matched

You don't have to tell them how much you're saving. matched

The 401k record keeper knows all that. matched

And the 401k record keeper can provide that data to the managed account. matched

So they know a certain amount about you without you ever having to lift a finger or even think about communicating with them. matched

But in order for these accounts to truly be customized, there is a certain amount of communication that ideally should happen. matched

Number one is risk profile, risk tolerance. matched

Often there are questionnaires. matched

They try to suss out, you know, are you somebody who's very comfortable with a high proportion in equity? matched

Are you comfortable taking an aggressive approach? matched

Are you somebody who really gets all freaked out every time the market goes down? matched

Maybe you're more comfortable being more conservative. matched

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