White Papers

  • Ethics essay winners

    Six students were on the team from the University of Minnesota Carlson School of Management who wrote the winning paper and $1,000 scholarships in the Securian Ethics Essay and Scholarship Competition.

    From left: John Rodgers, 19, Naperville, IL; Kevin Hyde, 19, Burnsville, MN; Alex Radunz, 18, Eden Prairie, MN; Farez Siddiqui, 19, Hastings, MN; Kanad Gupta, 20, Woodbury, MN; Miriam Hadidi, 19, Shoreview, MN. Photo courtesy University of Minnesota Carlson School of Management.
  • Advantus Capital Management's Strategic Dividend Income invstment strategy aims to provide current high income for institutional investors with growing dividends while targeting lower volatility than the broader equity market. This paper further explains Advantus' approach.

  • Ted Schmelzle

    The paper seeks to demonstrate how Conflicted Revenue Capture has been the subject of much litigation against both plan sponsors and service provides over the past decade, culminating in the recent case of Tussey v. ABB, Inc., Civil Action No. 2:06-CV-04305, 2010 U.S. Dist. LEXIS 45240 (W.D. Mo. Mar. 31, 2012). It goes on to discuss the DOL’s view of Conflicted Revenue Capture. Finally, practical plan sponsor questions are presented along with a suggested fiduciary best practice.

  • Brandon Bellin

    It is common in the retirement plan industry for service providers to collect and keep revenue sharing from underlying investment managers and to generate additional revenue through proprietary investment options. In this fashion the providers are not revenue neutral, as they stand to benefit more from one investment option being chosen over another. This paper discusses some of the “games” providers may engage in when producing proposal illustrations.

    application/pdf iconProposal Games (136.45 KB)
  • Kent Peterson

    Building and monitoring an investment array fopr a qualified retirement plan is a complex task with numerous difficult decisions. Great care should be taken when assembling the team that oversees the array. Kent Peterson, director, Investment Services, Securian Financial Group, authored this paper that shows employers what to look for in a service provider's due diligence process.

  • This paper by Kent Peterson, CFA, FSA, AIF®, Director of Investment Services, Securian Retirement, explains why finding the lowest cost share class helps to mitigate the fiduciary risk to plan sponsors and shows how revenue neutrality and monitoring of the availability of lower cost share classes benefits plan sponsors and their participants.

  • Stable Value investments provide a unique challenge to fiduciaries. While they are intended to serve investors who have low risk tolerances, they still pose risks that fiduciaries need to understand and monitor, especially in times of economic uncertainty.

  • This report explains that, while Generation X and baby boomer small business owners share many commonalities, baby boomers are focused on the macro, thematic elements that will shape the future of their business. Gen-X SBOs are focused on the micro, tactical elements that affect their day-to-day concerns as they’re building their business.

  • Approximately one-half of Small Business Owners (SBOs) currently use a financial advisor for personal and/or business needs, implying there is significant potential for growth in this sector. This research provides a greater understanding of SBOs’ unique needs, enabling advisors to better address and help alleviate SBO's specific concerns.

  • Employees in every age group were more likely to choose TargetAge than to default into it. TargetAge portfolios are an appealing choice to participants who are just beginning to invest as well as those who are nearing retirement.

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