Jean-Pierre Aubry
speaker
560 appearances
1 recordings
1 series
first heard Jul 2026
last heard 23 Jul
Jean-Pierre Aubry’s voice in public audio — every appearance, attributed to the second.
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recordings per month · last 12 monthsRecordings per month over the last 12 months — 1 in all, peaking in Jul 2026 with 1.
Appearances
You know, TDFs are starting to take some of that role away, I guess, that you're kind of getting these defaults that are doing that automatically for individuals.
We suggest that TDFs are part of the story in our piece.
Being defaulted into a TDF is still relatively uncommon.
Really?
Most plans don't have defaults.
Yeah, I mean, it's the requirement for a new plan to have defaults just came about with Secure 2.0.
So it's really only new plans that have to have defaults, like auto-enrollment that defaults you in the TDF.
Most older individuals with a 401k or assets were in the system a long time ago, just were.
Even to the extent that there was some voluntary pickup of auto enrollment for secure 2.0, that was minimal.
If you're an employer and giving a match, what you hope for is you giving a match and knowing the rules.
You gave the benefit, you're lowering people's wages with the presumption that they're going to put some money.
It's overall compensation for the employer.
So you're saying, okay,
I'm going to give you a wage with the narrative that you're going to be also getting a match for me.
And so you're thinking about that whole thing.
If you don't take it, you're lost.
So auto-enrollment adds a significant cost to employers because now everybody's going to be getting a match.
So you don't see a lot of voluntary adoption of auto-enrollment.
So the take-up of TDFs was kind of more about the lineups, saliency, other things like that.
And that was still pretty powerful.
Showing 141–160 of 560 · page 8 of 28
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