在2026年开始的401(k)计划中,先锋和TIAA发射退休信托基金提供终身收入保障。 Vanguard and TIAA launch retirement trusts offering guaranteed lifetime income in 401(k) plans starting 2026.

前卫和TIAA推出了目标终身收入信托基金,这是一个新的退休产品,通过TIAA安全收入账户提供终身收入保障,并被纳入雇主赞助的401(k)计划。 Vanguard and TIAA have launched Target Retirement Lifetime Income Trusts, a new retirement product offering guaranteed lifetime income through TIAA’s Secure Income Account, integrated into employer-sponsored 401(k) plans. 这些信托基金准备从2026年开始分阶段展开,使参加者能够将一部分储蓄转为终身收入,拨款从55岁开始,目标是到65岁将投资组合的25%分配给他们。 The trusts, set to roll out in phases starting in 2026, allow participants to convert a portion of savings into lifelong income, with allocations beginning at age 55 and aiming for 25% of the portfolio by age 65. 由于TIAA强的金融评级和Vanguard低成本指数策略的支持,该产品旨在在日益兴趣的计划年金中提高退休保障. The product, backed by TIAA’s strong financial ratings and Vanguard’s low-cost index strategies, aims to boost retirement security amid growing interest in in-plan annuities. 特朗普管理下的监管变革缓解了信托问题,有可能支持更广泛的采用,尽管投资者认识仍然是一个障碍。 Regulatory changes under the Trump administration have eased fiduciary concerns, potentially supporting broader adoption, though investor awareness remains a hurdle.