To compete in the digital age, financial services firms must offer customers powerful online and mobile capabilities that allow them to manage their finances on-the-go. This presentation focuses specifically on the retirement industry and, through a series of best practice examples from industry leaders, illustrates how firms can optimize the digital user experience they offer their retirement plan participants.

1. OPTIMIZING THE ONLINE AND MOBILE EXPERIENCE FOR
RETIREMENT PLAN PARTICIPANTS
DREW MARESCA
SENIOR ANALYST, RETIREMENT PLAN MONITOR
JULY 2013

2. ABOUT CORPORATE INSIGHT
2
Connect With Us
Corporate Insight (CI) provides competitive intelligence and user experience research to the nation’s leading financial
institutions. For over 20 years, the firm has tracked technological developments in the financial services industry,
identifying best practices in online banking and investing, online insurance, online asset management, mobile finance,
social media and other emerging areas. There are no assumptions in Corporate Insight’s work – we use live accounts at
all of the firms we research, providing our clients with unparalleled, unbiased intelligence on the competition.
We welcome the opportunity to speak with the media. If you are interested in citing our research or would like to schedule an
interview with one of our analysts, contact Intermarket Communications at 212-888-6115 or corporateinsight@intermarket.com.
Media Inquiries
DREW MARESCA
Senior Analyst
Retirement Plan Monitor
212-832-2002 x-122
dmaresca@corporateinsight.com
BEN POUSTY
Marketing Manager
212-832-2002 x-134
bpousty@corporateinsight.com

3. TABLE OF CONTENTS
3
 Introduction
 Helping Participants Get Started: How am I doing?
 Tools and Other Resources: What should I do?
 Getting Participants to Act: What investment should I choose?
 Getting Participants Engaged: How do I stay on track?
 Five Key Takeaways for DC Plan Providers
 Corporate Insight Thought Leadership
 About the Author

4. INTRODUCTION
4
To compete in the digital age, financial services firms must offer customers
powerful online and mobile capabilities that allow them to manage their
finances on-the-go. This presentation focuses specifically on the retirement
industry and, through a series of best practice examples from industry
leaders, illustrates how firms can optimize the digital user experience they
offer their retirement plan participants.
Our research focuses on the four key questions plan participants want DC
plan providers to help them answer on their participant site or mobile app:
1. How am I doing?
2. What should I do?
3. What investment should I choose?
4. How do I stay on track?

5. HOW AM I
DOING?
WHAT SHOULD
I DO?
WHAT TO
CHOOSE?
HOW DO I STAY
ON TRACK?
HELPING PARTICIPANTS GET STARTED
5

6. THE HOMEPAGE
• Transamerica’s
Retirement Outlook
feature is a simple and
creative way to depict
how close participant
plans are to meeting
retirement goals
• The embedded
retirement outlook
relates plans to weather
forecasts, offering four
options: sunny, partly
sunny, cloudy or rainy
6
Transamerica Home screen with Retirement Projection

7. PUTTING SAVINGS INTO CONTEXT
7
• Wells Fargo’s
approach is more
explicit
• Prominent red
banner draws
attention to
retirement outlook
• A simple graph
illustrates the
projected goal versus
projected income
Wells Fargo Homepage with Retirement Forecast

8. PUTTING SAVINGS INTO CONTEXT
8
• Vanguard uses a traffic
light as an attention
grab and a creative
means to express the
likelihood of meeting
retirement goal
• Three traffic light
colors: green, yellow
and red
• The forecast is written
out to the right of the
image
Vanguard Home screen with Retirement Forecast

9. GOING MOBILE
9
• Transamerica
o Mobile app features the same Retirement
Outlook information as their website
o Weather forecaster is embedded in the
mobile app; shows consistency across
different channels
• VALIC
o The Am I On Target? tool results screen is
available through their mobile app, which
forecasts retirement income
o Tool features a speedometer estimating
the likelihood that a participant might
meet their retirement goal
o Results range from red to green, which
imply failure and success, respectively VALIC Mobile App with Retirement Forecast

10. 10
• T. Rowe Price
o Mobile app devotes a screen to the
estimated retirement income
o Explain how much an additional $100
per month contribution would
increase income in retirement
• J.P. Morgan
o Lists a retirement income figure
within its mobile app
o The figure is derived from the a
website tool – the Dream Machine
T. Rowe Price Mobile App with Retirement Forecast
GOING MOBILE

11. MAKING STATEMENTS INFORMATIVE
11
• Vanguard embeds a retirement
forecast on the first page of its
quarterly statements
• Vanguard provides three
separate retirement income
projections, each of which
correlates with a different
contribution rate/amount
Vanguard Statement with Retirement Forecast

12. 12
ANOTHER INFORMATIVE STATEMENT
• J.P. Morgan embeds the
results of the Dream
Machine on the first page of
quarterly statements
• The three scenarios provided
represent ascending
hypothetical annual income
amounts, each of which is
the result of retiring at a
different age
J.P. Morgan Statement Retirement Forecast

13. HOW AM I
DOING?
WHAT SHOULD
I DO?
WHAT TO
CHOOSE?
HOW DO I STAY
ON TRACK
TOOLS AND OTHER RESOURCES
13

14. DETERMINING RISK TOLERANCE
14
• The MassMutual RetireSmart tool features a step that asks participants
a series of questions, which help build an in-depth risk profile
• Questions ask participants to rank retirement-related preferences based
on personal sentiments
MassMutual Retirement Smart Tool – Input Stage

15. RETIREMENT SAVINGS PROJECTIONS
OVERVIEW
SAVINGS PLAN
SUGGESTIONS
OTHER RISK
FACTORS
15
• Fidelity Retirement
Planner Tool offers
users in-depth results,
organized by intra-
page tabs across a
number of pages
• Results are clearly
organized and
delineated
Fidelity Retirement Planner Tool – Results Page One

16. ACTIONABLE ADVICE
16
• Fidelity Retirement
Income Planner also
offers participants an
Action Plan featuring
the following details:
o Current Allocation
o Suggested Allocation
o Options to print and
save results
Fidelity Retirement Planner Tool – Results Action Plan

17. ENABLE INTERACTION VIA SIMULATIONS
1
2
3
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• Fidelity Income Simulator generates easily editable results
• Participants can toggle between a poor market or an average market, alter
contributions and/or reallocate the account for the purpose of the hypothetical
scenario or change the retirement income goal all together
• This gives the participant autonomy in terms of looking at different retirement
scenarios and determining the best fit
Fidelity Income Simulator Tool - Results

18. HOW AM I
DOING?
HOW DO I STAY
ON TRACK
WHAT SHOULD
I DO?
WHAT TO
CHOOSE?
GETTING PARTICIPANTS TO ACT
18

19. EXPLAINING TARGET DATE FUNDS
19
• Vanguard offers
background
information on its
participant site for
each available target
date fund
• ‘Selecting a Different
Portfolio’ is a dynamic
calculator that helps
select the right fund
• ‘How these portfolios
work’ is a short,
embedded video that
explains how target
date funds function
Vanguard Target Date Funds Information

20. RISK AND RETURN
20
• Color-coded legend is
available below the
comprehensive list of
investments on Principal’s
participant site
• Provides helpful guidance
to participants in need of
assistance
• Offers the same legend on
quarterly statements
• Consistency across
channels eliminates
confusion
Principal Investment list Page and Risk Key/Legend

21. EASY COMPARISONS AMONG FUNDS
21
• T. Rowe Price displays investment information using an organized table
with the following features:
o Hyperlinks to fund fact pages
o Funds can be filtered and compared to various benchmark indices
o Selecting an intra-page tab from the top of the table filters down results to
only those within a selected asset class
T. Rowe Price Investment Information

22. HOW AM I
DOING?
WHAT SHOULD
I DO?
WHAT TO
CHOOSE?
HOW DO I STAY
ON TRACK
GETTING PARTICIPANTS ENGAGED
22

23. EMAIL ALERT REMINDERS
23
• Email reminders are a good
way for providers to
engage their participants
• Few providers offer
comprehensive alerts, like
those offered in the
brokerage space
ShareBuilder Email Alert

24. MOBILE TRANSACTIONS
24
• Mobile apps equipped with
transaction capabilities increase
engagement and are a great
convenience for plan participants
• Of the 17 Retirement Plan Monitor
providers we track, only two – ING
and Vanguard – allow users to
complete transactions directly from
their mobile apps
Vanguard Mobile App – Transactions Screen

25. GAMIFICATION
25
• Video games and
interactive quizzes
reach a broader
consumer base
• Like alerts, few
retirement plan
providers have
embraced digital
gaming
• Gaming is a trend
worth watching as it
successfully builds
brand recognition
J.P. Morgan Game – The Biggest Saver

26. HOW AM I
DOING?
WHAT SHOULD
I DO?
WHAT TO
CHOOSE?
KEY TAKEAWAYS
26
HOW DO I STAY
ON TRACK
Key
Takeaways

27. FIVE KEY TAKEAWAYS FOR DC PLAN PROVIDERS
27
1. Provide a retirement forecast so participants are cognizant of
hypothetical retirement scenarios
2. Allow participants to develop an in-depth risk profile that can
be used throughout the retirement planning process
3. Offer valuable planner results that are easy to understand
4. Offer detailed fund information so participants can make
informed decisions
5. Provide consistency across key channels: online, mobile, and
client collateral

28. CORPORATE INSIGHT THOUGHT LEADERSHIP
28
2013 Mobile Finance Trends and Innovations
This study highlights interesting and important mobile finance trends from the first half
of 2013. It includes commentary on relevant mobile developments outside of the
financial services industry, key takeaways for financial services firms and thoughts on
what’s next for mobile finance.
Asset Management and Social Media: A Guide to Social Marketing
This guide looks at how asset management firms use popular social media platforms such
as LinkedIn, Twitter, Facebook, YouTube and Google+ to connect directly with investors
and financial advisors. Also available as a slide deck.
The Millennial Opportunity Whitepaper
Examines the marketing tactics, strategies and online resources leading financial
institutions are using to connect with Millennials. Also available as a slide deck.
Apple iOS 7 Ideas for Financial Services Firms
Apple iOS 7: Ideas for Financial Services Firms explains how firms can leverage the new
features in iOS 7 to make their mobile apps more user-friendly.

29. ABOUT THE AUTHOR
29
DREW MARESCA
SENIOR ANALYST
RETIREMENT PLAN MONITOR
Drew Maresca is the Senior Analyst for Corporate Insight’s Retirement
Plan Monitor service and head of CI’s research efforts in the
retirement space. Drew and his team focus on tracking and analyzing
the digital user experience DC plan providers offer plan participants
via the online, mobile and social media channels.
Drew has conducted extensive research in the retirement space with
past reports focusing on iPhone, Android and iPad Retirement Apps,
Online Retirement Planners, Retirement Account Statements, Social
Media Practices and more. His research has been cited in a number of
media publications including Ignites, Kiplinger’s and Plan Sponsor.
Drew has been a part of the Corporate Insight team since 2007. Before
founding Retirement Plan Monitor, he worked as an Analyst for CI’s
Advisor Monitor and Mutual Fund Monitor research services.
CONTACT DREW:
T: 212-832-2002 x-122
E: dmaresca@corporateinsight.com