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• W2141569042 abstract "1. Alicia H. Munnell 1. is the director of the Center for Retirement Research at Boston College in Chestnut Hill, MA. (munnell{at}bc.edu) 2. Anthony Webb 1. is a research economist at the Center for Retirement Research at Boston College in Chestnut Hill, MA. (webbaa{at}bc.edu) 3. Francis M. Vitagliano 1. is a research consultant at the Center for Retirement Research at Boston College in Chestnut Hill, MA. (vitaglif{at}bc.edu) <!-- --> 1. To order reprints of this article, please contact Dewey Palmieri at dpalmieri{at}iijournals.com or 212-224-3675. In 2010, the Department of Labor proposed changes that would eliminate third-party incentive payments, such as 12b-1 fees, that may encourage broker-dealers to sell highfee mutual funds to Individual Retirement Account (IRA) customers. The investment industry argues that eliminating these fees could force broker-dealers to charge directly for advice, which could result in less advice being provided and customers making poor investment decisions. This article examines the trade-off between lower fees and poor investment decisions. Our best estimate is that the elimination of 12b-1 fees would reduce IRA customer costs by 4 basis points. If broker-dealers responded by moving customers from high-cost, actively managed funds into low-cost index funds, IRA customers could save another 7 basis points. Broker-dealers are unlikely to change their business model with respect to the provision of advice as a result of the loss of 12b-1 fees. The article also uses an inter-temporal optimization model to quantify the potential benefits and costs of reform to households. This exercise points to relatively modest potential benefits, but even more modest costs under plausible assumptions. Several more extensive reforms are suggested to ensure that IRA savings are invested more effectively. TOPICS: [Legal/regulatory/public policy][1], [mutual fund performance][2], [risk management][3] [1]: https://www.pm-research.com/topic/legalregulatorypublic-policy-0 [2]: https://www.pm-research.com/topic/mutual-fund-performance [3]: https://www.pm-research.com/topic/risk-management-0" @default.
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• W2141569042 date "2013-06-30" @default.
• W2141569042 modified "2023-10-18" @default.
• W2141569042 title "The Economic Implications of theDepartment of Labor’s 2010 Proposalsfor Broker-Dealers" @default.
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• W2141569042 doi "https://doi.org/10.3905/jor.2013.1.1.038" @default.
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