DALBAR study shows older women defy age and gender stereotypes when it comes to using technology to manage finances with paperless statements

Data from a recent DALBAR study that analyzed the interest in paperless statements, known as e-Delivery in the financial services industry, found that when it came to searching online for information about paperless statements, women across most age groups were more likely than men to be seeking out this service.

Open MEPs could affect millions of retirement plan participants overnight

DALBAR’s Harvey: TPAs would benefit the most from Open MEPS among service providers.

The prospect of removing existing barriers to employer participation in Open Multiple Employer Plans could quickly impact millions of existing participants in small and midsized 401(k) plans.

To the Fiduciaries Go The Spoils

The word fiduciary has caused heartburn for most advisors. It is not the promise to act in clients’ best interest that scares most advisors; it is the task of proving that this was actually done that causes the pain. How is it possible to show that the motivation behind a recommendation is the client’s interest and not the compensation the advisor earns?

How Scottrade Could Have Avoided DOL Rule Charges

Scottrade made a bet that the Labor Department's fiduciary rule wouldn't be enforced. It lost. But, for now, there's another way firms can keep their sales incentives.

Are Advisors’ Cyberdefenses Strong Enough? Dalbar-ThinkAdvisor Survey Seeks Answers

...“Authentication is now the primary defense, since the felons have already stolen the data,” said Lou Harvey, CEO of Dalbar, an independent financial-services market research firm, in an interview with ThinkAdvisor....

Statistics About Indexing's Advantage May Be Lying To You: Financial Advisors' Daily Digest

A new study by Dalbar finds that passive funds achieve higher returns, but active fund investors are better behaved and may actually come out ahead over the long term.

Interview: Louis Harvey, Dalbar

Ary Rosenbaum, That 401(k) Guy, Interviews Louis Harvey

Q: How has the rollout of the new fiduciary rule impacted your business?

A: Firms seeking to comply under the new rules are taking advantage of Dalbar‘s services including Registered Fiduciary (RF™), Auditing required under ERISA 408(g), Computer Model Certification, Proof of Reasonableness of Compensation and Assessment of Rollover Practices. The fiduciary rule also creates new compliance burdens for the contact center. We have integrated fiduciary rule compliance into our evaluation criteria. This new element adds to the value proposition of our Service Quality Measurement Program. We look forward to continue helping contact centers grapple with the practical implications of the rule...

Why Trump Will Not Cancel the Fiduciary Rule

Donald Trump has committed to repeal regulations that strangle economic growth and in particular those that impede small businesses. While he has not promised to repeal the DoL Fiduciary Rule, on the surface it appears to qualify as an impediment to the small businesses of hundreds of thousands of advisors who earn a living from commissions and other forms of compensation that the Rule limits.

Dalbar Tool Aims to Limit DOL Rule’s Pay Cuts: Top Portfolio Products

Dalbar estimates that the average advisor could see a $34,000 reduction in compensation

DALBAR, 2016: Yes, You Still Suck At Investing (Tips For Advisors)

With the release of Dalbar's latest study, it would be prudent to both update, and remind you, of the problems investors continue to face despite the ...

DOL Fiduciary Rule is the new sheriff in town, Dalbar introduces solutions to new law of the land

Dalbar provides solutions to support whichever choices are selected so as to minimize risks, grow business and comply with the new “laws”.

Dalbar’s Harvey: DOL Fiduciary Rule’s Cost to Brokers’ Businesses

Dalbar CEO Louis Harvey talks to ThinkAdvisor about how the rule will change brokers’ day-to-day jobs — and how those who embrace their fiduciary duties can reap profits...

Fiduciary Rule Interview in ThinkAdvisor


Amid Market Decline, Don't Sell Yourself Short

Each year Dalbar, a Boston-based consulting firm, examines how average investors perform relative to what they invest in. And without fail, each year ...

McBride: Consider options carefully if you come into unexpected money

A widely cited study, called Dalbar's Quantitative Analysis of Investor Behaviour, compares investors' average annual returns to market returns.

Tools, Training to Address DOL Fiduciary Definition

It's not yet a done deal, but Dalbar expects the best interest contract (BIC) exemption in the proposed fiduciary definition by the Department of Labor ...

Investors should fear themselves

The oft-cited annual report by Boston firm Dalbar into average investor returns would indicate that a good financial adviser can significantly boost ...

Don't Let Stock Market Scares Dictate Your Strategy

Schmansky's observation is backed by some sobering numbers from research firm Dalbar, which since 1984 has studied the effects of mutual fund ...

We have met the enemy (of our portfolio) and he is us

Each year Dalbar updates its annual "Quantitative Analysis of Investor Behavior" report. The 2015 update reveals that over the most recent 20 year ...

Lou Harvey: Retirement Advisors’ Value Is Misunderstood


Lou Harvey: Looking for Mr. Dalbar—The 2015 IA 35 for 35

The wizard behind the curtain of the ubiquitous research firm helped popularize behavioral finance and keeps the industry on top of important issues.

Lou Harvey honored as a top leader by Investment Advisor magazine!

The 2015 IA 35 for 35 - Lou Harvey honored as a top leader by Investment Advisor magazine!   ...

Dalbar Grants AXIS Retirement Analytics Platform Its Benchmark Methodology Certification Seal

Dalbar, a trusted source for helping the retirement industry in achieving excellence through evaluation and accreditation of strict processes has ..

Average Investors Have No Rhythm

A company named Dalbar sells an annual study of investor behavior and relative investment returns to financial advisors. The chart below has been ...

Why Is the Investor's Personal Rate of Return Missing on Financial Statements?

Only 25% of statements across the annuity, mutual fund, and brokerage sectors include a "personal rate of return," Dalbar's annual survey says.

Investment Firms Try to Find Their Social Media Groove

A recent ranking by research firm Dalbar reveals how Ameriprise, John Hancock, New York Life and Prudential have created winning social media campaigns... 

American IRA-A National Self-Directed IRA Provider-Announces The New Quantitative Analysis Of Investor Behavior Study Shows Mutual Funds Underperformed by 7.4% per year.

According to Dalbar's data, the average investor in mutual funds trailed the index over the trailing 12 month, 3 year, 5 year and 10 year time period.

6 Top Mobile Websites for Investors: Dalbar

That's why Boston-based research firm Dalbar rated 48 financial services company apps, according to 11 distinct evaluation categories including ...

There's An Unavoidable Reason Some Investors Are Bound To Fail

It's a necessity of how markets work. According to Dalbar and other research groups, the average U.S. stock investor has underperformed the market ...

Study: Investors are Dumb

According to the Quantitative Analysis of Investor Behavior report from Dalbar, a financial research firm, equity fund investors earned an average ..

MassMutual Retirement Services Named Dalbar Investor Statement Champion

(Springfield, MA) – For the third year in a row, MassMutual’s Retirement Services Division has been recognized as a champion for its defined benefit (DB) and defined contribution (DC) investor statements according to Dalbar’s 16th annual Trends and Best Practices in Investor Statements report.

10 Top Mobile Apps for Investors: Dalbar

These apps by financial services company stood out among the 45 evaluated in several categories, like branding and design.

Dalbar: Advisors Should Sell Goals, Not Funds

Saying mutual funds and annuities are the products clients seek from advisors is like saying that cloth is the product clothing-shoppers are seeking, Dalbar says.

Improve your EOB with personalized information

As consumers enter the exchange environment, it is increasingly crucial for them to fully understand their health coverage. A recent study by the Kaiser Family Foundation showed that a majority of Americans (57%) feel that they don’t have enough information to understand health reform and how it will impact them.

Dalbar’s Harvey: Individual Investors Brilliant at Mistiming Markets

Retail investors’ renewed enthusiasm for stocks now that they’re at record highs is something to fear rather than celebrate, says Louis Harvey, president of Dalbar, a research firm in Boston.

Joining the Bandwagon? Don’t Lose Your Balance

STOCKS are back. And that could be dangerous.

Dalbar Ranks Providers on Fee Disclosure

A new in-depth study conducted by Dalbar ranks providers on their 408(b)(2) compliance efforts. Based on the technical requirements of 408(b)(2), Dalbar's...

Why people lose money in mutual funds

Dalbar's Quantitative Analysis of Investor Behaviour compares the investors' ... The most recent Dalbar study found that in the 20 calendar years ending in ...

Timing the market is a loser's proposition

Dalbar concludes: “One of the most startling and ongoing facts is that at no ... Dalbar shows in its study that “data further underscores the fact that ...

Call for Entries

Research Magazine and AdvisorOne, in collaboration with Dalbar, will publish a ranking of retirement plan transparency in January.

401(k) paperwork gets mixed grades on clarity

To give readers a sense of the feel, we asked Boston-based consulting firm Dalbar to give us two examples, one which earned high marks and one which earned ...

Research, AdvisorOne to Cast Light on Murky Fee Disclosures

That is why Research Magazine, AdvisorOne and Dalbar are teaming up to cast a brighter ... Over the next several months, Dalbar will conduct the study, ...

Gut Instincts Can Hurt Your Portfolio

Every year, the Boston financial-analysis firm Dalbar, Inc. publishes a report ... Indeed, says Dalbar President Lou Harvey, financial advisers are as prone ...

Why Your Investment Returns Could Be Lower Than You Think

According to the latest Dalbar report, someone investing systematically from 1992-2011 would only have earned about a 3.2% compounded annualized return ...

TRUSTIVO Adds Dalbar’s Verified Expert Status to Network

"This designation differentiates advisers in a meaningful way, helping Boomers find an adviser they can trust," says Louis S. Harvey, Dalbar's president and chief ...

The Indomitable Investor: Talking With Barron's Steven Sears

Dalbar has measured investor behavior over the past 20 years and what they found is that individual investors always trail the standard S&P 500 index.

Four Ways Mutual Funds Hurt Your Retirement

Dalbar puts together an annual study of investor behavior, and recent findings support this theory. In 2011 alone the average equity mutual fund investor ...

Why You Should Follow George Costanza's Advice in the Equity Markets Right Now

And it's not just me saying it; it's also the newest Dalbar study that was released ... According to its website, Dalbar has been measuring the effects of ...

A Commitment to Discipline: Dalbar President Louis Harvey - Investing Game Plan

Most of us have a love/hate relationship with discipline. We hate to go through the rigors that discipline demands, but we are satisfied and proud of the.

A Written Plan Can Help Your Portfolio

... to Boston-based investment-research firm Dalbar Inc. Bond investors did even worse against the Barclays Capital Aggregate Bond Index, Dalbar says.

Fiduciary Plan Governance, LLC to Host 2012 Fiduciary Summit

... Associate Regional Director of the United States Department of Labor -- Employee Benefits Security Administration; Lou Harvey, Founder & CEO, Dalbar, ...

2 Things You Need to Know About Mutual Funds

One study by Dalbar showed that the S&P 500 returned 9.14% a year over a 20-year period ended 2010, but the average investor earned 3.83% a year. Why?

The Five W's Of Bad Investing Behavior

Studies from Dalbar show that investors have the habit of piling into whatever is working at the moment only to bail once something new comes along.

Investor Behavior, Not Market Timing, Matters More in Your Portfolio

I have been anxiously awaiting the 2012 edition of Dalbar's Quantitative ... Since 1994, Dalbar has been measuring the effects of investor decisions to buy, sell ...

Dalbar, Inc. and The Rosenbaum Law Firm: Ultimate 3(38) to Focus on Upgrading ERISA Fiduciary Status

Initial group members are the Rosenbaum Law Firm and Dalbar, Inc. ERISA 3(38) managers act as fiduciaries for retirement plans with responsibility for the ...

Don't Fake It

From left to right: Alois Pirker, Aite Group; Kathleen Whalen, Dalbar; Seth Brewer, The Hartford. It's no surprise that many wealth management firms and ...

2012 Dalbar Study Reveals Average Investor Returns

One of my favorite “industry” studies that comes out every year is the Dalbar study.

Outperform your neighbors

In fact, an annual study done by Dalbar, an investment industry research firm, ... For example, according to Dalbar, for the 20-year period ending in 2007, ...

Universal Fiduciary Advice Will Shut Out Middle-Class Clients

By Gil Weinreich, AdvisorOne Consulting firm Dalbar's chief executive, Louis Harvey, known as an advocate of fiduciary advice, has poured a bit of cold ...

Indexed Annuities: For the Best and Worst of Times

Dalbar, an independent, Boston-based financial research firm, recently released its latest edition of the Quantitative Analysis of Investor Behavior (QAIB).

How to Beat the Market at its Own Game

A 2011 study from Dalbar, a Boston-based research firm, ... The Dalbar study also shows that the average investor achieved only 3.8% a year versus the 9.1% ...

Eliminate emotional investing

Since the early 2000s, the research organization Dalbar has been studying how the decisions impact investment performance. Each year the study compares the ...

Dalbar Analysis Shows Poor Performance by Mutual Fund

Simon Constable, writing for the Wall Street Journal, has written about the challenges facing mutual funds in their quest to keep up with, or beat the market.

It's Not Your Fault Your Fund Can't Keep Up

The average equity-fund investor saw annual returns of only 3.49% in the 20 years through 2011, according to the latest analysis from Dalbar.

DOL's Secret Fiduciary Fix Offers BDs Big Opportunity

So says Lou Harvey, head of the financial services market research firm Dalbar, with respect to ERISA 408(g), an exemption that permits advisors to use a ...

We Let Emotions Wreck Our Investment Portfolio All Too Easily

... stock fund investor netted just 1.9 percent in annual returns for the 20-year period ending in 2008, according to the investor research firm Dalbar.

Dalbar Study Reveals Mutual Fund Investors Lost in 2011

Mutual fund investors suffered losses last year according to the annual Quantitative Analysis of Investor Behavior (QAIB) study conducted by Dalbar.

ASK SETH & BRAD: Avoiding Two Major Financial Mistakes

Every year Dalbar Inc. publishes the investment return estimates for the "average" investor. We can't recall a time in history when the report was anything ...

Stern Advice: When advisers follow the crowd

... their calming presence when clients were panicking, according to Louis Harvey, president of Dalbar, a research firm that monitors investment behavior.

The Most Important Investment You Can Make Right Now

For example, Dalbar, a Boston-based research firm ,released a 2011 report that showed investors had achieved a mere 41.9% of the S&P 500's performance over ...

A Beginners Guide To Managing Your Money

A study conducted by Dalbar, Inc. showed that inexperienced investors tend to buy high and sell low, which often leads to losses in short-term trades.

For CPAs, it's revenge of the nerds

That plays to the strengths of CPAs,” said Louis Harvey, chief executive of Dalbar Inc., a consulting firm to financial service providers.

Which three of DOL's new 401(k) rules represent the biggest land mines for financial advisors and plan sponsors

... would never be finalized," says Louis Harvey of Boston-based Dalbar Inc. Industry leaders are torn on how advisors should disclose indirect compensation ...

Right-brain investing: no math, no problem

In fact, the average individual investor grossly underperforms the market, according to research by Dalbar, a financial services research company in Boston.

Accounting for Troubled Debt Restructurings

The year 2012 will see the full effect of a set of fee disclosure regulations for 401(k) and other defined contribution plans under ERISA...

Finance Friday: Why We Fail as Investors

The annual Dalbar studies of investor behavior show a constant theme regarding our failure as investors: chasing performance without a plan. The costs are ...

Treasury funds show folly of chasing performance

In that same period, investment research firm Dalbar estimates that, thanks to performance chasing and the like, the average equity fund investor earned a ...

The case for alternative strategy funds

Tim is an Accredited Investment Fiduciary, a Certified Funds Specialist, is Dalbar certified and holds a series 66 FINRA license. ...

What JPMorgan Asks Advisors That Other Fund Firms Don't

JPMorgan Funds is one of two winners of Dalbar's annual award for excellence ... Dalbar managing director Kathleen Whalen pointed to JPMorgan's commitment ...

Human Emotion Kills Investor Returns

Since 1994, Dalbar, Inc. has been measuring the effects of investor's decisions to buy and sell investments. They have also studied the tendency for investors to switch in and out of specific mutual funds—in both short-term and long-term time frames. ...

Fee Chats are Critical for Dalbar Awards

Dalbar just gave executives at six mutual fund firms and a distributor something extra to smile about this holiday season, thanks to professional customer service ...

Dagger Money Talk: Becoming a Better Investor Through Understanding Your Emotions

Dalbar, Inc., the nation's leading financial services market research firm, found this to be true. In a recent study, a $10000 invested in the stocks that ...

4 Reasons You Stink at Managing Your Own Money

Again, just look at the recent study by Dalbar – and that 2.6 percent annual return – while according to JPMorgan Asset Management, the worst return for the ...

Investors Not so Bad at Picking Active Funds After All

Studies by research firm Dalbar have shown that over the past two decades, fund investors have typically bought at market peaks and sold at troughs. ...

Dalbar Announces Its 2011 Annuity Service Award Winners in Financial Services

Today Dalbar released the 2011 winners of its annual Annuity Service Award. AXA Equitable-Equivest ...

Rescuing Retirement

In 2011, it was certified by Dalbar Inc., a financial-services market-research firm, as meeting the requirements of the Pension Protection Act of 2006. ...

Disclosure Upheaval

New rules require new 401(k) disclosure practices. Denial or deception could be disastrous.

Panicking About the Markets? Read This -- Now

Dalbar, a financial research firm in Boston, does a study every year which ... Over the past 20 years, says Dalbar, someone who just invested $1000 in the ...

Three Psychological Stumbling Blocks That Kill Profits

Dalbar, a Boston-based market research firm, produces annual research that ... According to the Dalbar data, t hey gained a mere 1% a year versus an ...

Why investors always underperform the market

In this context, it would be interesting to go through a study conducted by Dalbar Inc, a US-based financial services market research firm, to determine how ...

Run in the Opposite Direction of the Herd

That is why the returns of investors in general tend to be much lower than those of the S&P 500 (by around 5.3 per cent annually according to Dalbar Inc.). ...

How to Play Defense Against Volatility in Your Portfolio

According to Dalbar, Inc., the average investor had an annual return of 2.6 percent from 1991 through 2010. Let this sink in. Since the average rolling ...

Information Age's Effect On The Maxim Of Long-Term Stock Ownership To Attain Wealth, High Returns

Source(s): Index Fund Advisors, from Dalbar, Inc. report QAIB (Quantitative Analysis of Investor Behavior) Computer access leading to Internet provided ...

Keep a cool head – put a lock on greed

As Mel Kenny of Radcliffe & Newlands notes: “Research by Dalbar (July 2008) found the average annual stock market return between 1988 and 2007 was 11.6 per ...

Real Investors Lag Indices

Pritchard relied on the annual Dalbar study, which consolidates data from the Investment Company Institute, and is availble for investment advisers as a way...

Bank reps seen as “pushy”, sales focused

... clients and bank staff continues to be largely product-driven, rather than focused on assessing client needs, according to the latest survey by Dalbar. ...

A Lost Decade for Advisors?

“The bottom line is that people were not willing to do business in traditional products,” says Lou Harvey, president of Dalbar Inc., a financial services ...

Dalbar Announces RF(TM) Curriculum for IRA Advisers

Connected to the RF(TM) for IRA is Dalbar's compliance for advisers and compliance oversight. The compliance for advisers is the technology needed to ...

Why Investors Lag the Market

One study by the firm Dalbar covered the 20-year period from 1988 to 2007. ... A Dalbar update for 2010 concluded that, “the psychological factors that ...

A Contrarian Approach I Learned From Seinfeld

The author starts off chapter three, after the aforementioned and appropriate Seinfeld reference, with a study by Dalbar Inc. showing the returns ...

40% of Advisers Support Wall Street Protests

"That split is really surprising," says Louis Harvey, chief executive of financial services market research firm Dalbar, tells InvestmentNews. ...

Retirement Calculators Threaten Your 401k Plan

In fact, Lou Harvey, CEO of Dalbar, Inc. asserts; "Continued efforts since 1996 to help participants make informed decisions through educational sessions ...

Why investors are not making returns in the stock market?

In this context knowing about the study conducted by Dalbar to determine how ... Dalbar , Inc. is a US based leading financial services market research firm. ...

Despite Pain, Encourage Clients to Stay the Course

That we typically aren't psychologically strong is reflected by the numerous studies (most prominently the annual QAIB from Dalbar) that show us ...

Your Plan: Don't Let Market Swings Affect Investments

Each year the research firm Dalbar does a study that compares the returns investors really receive on stocks, compared with the earnings of the stock market ...

Keep Focus, Ignore Market Swings

Dalbar Inc., a large financial services market research firm, has compiled an annual Quantitative Analysis of Investor Behavior study since 1994 that ...

Are You Ready To Enroll? Six Easy Tips from Cigna to Use Now When You Sign Up for Health Care Benefits

... mycigna.com; an overhaul of the customer Explanation of Benefits (EOB) which was recently recognized with awards for excellence by Dalbar, Inc. and The ...

Dalbar and T-Base Help Move Accessibility Forward within the Financial Industry

Both T-Base and Dalbar share a high level of commitment and understanding of quality statement design. This is the second collaboration of 2011 between ...

Understanding Investor Biases

According to a study by Dalbar Inc., the average investor's returns lagged those of the S&P 500 index by 6.48 percent per year for the 20 years prior to ...

401(k) Conspiracy - How Companies & Employees are Being Robbed by Wall Street While the Government Looks the Other Way

Subtract conflicts of interest (which Wall Street routinely provides), and investor behavior, which Dalbar's Quantitative Analysis proves year after year is ...
 

Where's Your Compensation Heading?

And he's asked SEC head Mary Schapiro to back off even though she wants to pursue fiduciary status for brokers,” says Lou Harvey, who as president of Dalbar ...

Is It Time to Get Out of the Stock Market?

According to the most recent Dalbar study, the S&P 500 had an annual ... Dalbar suggests that it's because investors tend to buy funds when they're doing ...

 

Putnam Investments Becomes First Mutual Fund Company to Utilize Smart Phone Codes on Shareholder Statements

In January, the firm was honored for the 21st consecutive year with a Dalbar Service Award for providing industry leading service to shareholders and ...

ANALYSIS: Translating Gobbledygook from Health Insurers

In a recent national sampling of 34 insurers' EOBs by Dalbar,... In a Managed Healthcare Executive story about Dalbar's survey last year, Kathleen Whalen, ...

MetLife Innovations in Employee Benefits Implementation Earn Dalbar Awards for Excellence

Recognizing MetLife's achievements in Group Employee Benefits,Dalbar Inc. presented two of the company's customer ...

Stock market swings rattle individual investors

Latest woes come after stinging losses to retirement plans in 2008, but financial advisers say best strategy is to ride it out.

Insight: The madness of Wall Street

For the 17th time in as many years, Boston-based research firm Dalbar found that the 20-year returns realized by mutual fund investors lagged the markets ...

Tracking the 401(k) fees

But the debt ceiling debate got in the way, leaving Congress with little time to consider anything else, said Louis Harvey, president of Dalbar Inc.

Investors Far from Rational

Yet US-based financial industry researcher Dalbar Inc says investors generally abandon investments at inopportune times, often in response to bad news. ...

Great-West Retirement Services® Releases a Comprehensive Template That Surpasses New Fee Disclosure Requirements

Nelson said Great-West engaged Dalbar, Inc., a noted industry ... In contrast, Dalbar is an independent third party that doesn't have a vested interest in ...

Your Investments: The Opportunity of a Lifetime?

According to research by Dalbar, the numbers are telling: They looked at the returns of mutual-fund investors over the 20-year period, 1986-2006, ...

Parental Financial Guidance

But investors seem to consistently time the market badly, buying high and selling low - a recent study by Dalbar, Inc. found that in the 20 years ended Dec. ...

Mortgage vs. RRSP -Which Should Come First?

There is widely cited study called Dalbar 's Quantitative Analysis of Investor ... The latest Dalbar study showed that over the 20 years that ended December ...

9 Stupid Things Investors Do When Portfolio Building

...but it holds true over time, as the Dalbar research cited in this blog post shows. The authors also note that overconfidence leads to active trading. ...

Childhood Impulse Control Determines Adult Success

Consider a recent study by Dalbar Research: In a given 20-year period, the S&P 500 returned 13% annually. By extension, a self-controlled four-year-old ...

Why Most People Pick the Wrong Funds for Their 401 (k) and What You Can Do About It

According to the most recent Dalbar study, the S&P 500 Index returned an average of over 9% a year over the last 20 years while the average stock investor ...

Leading a Putnam Turnaround

"Bob Reynolds has literally turned the whole place upside down," says Louis Harvey, president of Dalbar Inc., a financial-services market-research firm ...