Investors Tracking Retirement Fees Win Major Victory with Help of Securities and Exchange Commission

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David Ning, a “ON RETIREMENT” contributor, offers strategies for building a retirement nest egg. David Ning is also the founder of personal finance blog, which he launched in 2007 to help readers understand how thoughtful spending and smart investing builds wealth over time and creates financial security. enjoys a monthly readership of 300,000.

David Ning discusses fess and other important aspects of carefully monitoring a 401(k) retirement plan in his latest “ON RETIREMENT” post of at

The U.S. Department of Labor recently announced that, in about a year, 401(k) retirement plan providers will be required to provide investors with a detailed breakdown of the fees deducted from their account. These fees, which can be as high as 1%, are often clumped together under the ambiguous 12b-1 category.

Over the summer the Securities and Exchange Commission weighed in on the topic by proposing a complete overhaul of the 12b-1 fees. The changes suggested by the SEC would allow investors to easily discern the various charges made against their account by offering understandable headings such as “sales charge” or “marketing,” doing away with the 12b-1 category altogether.

In a recent “ON RETIREMENT” post entitled 7 Ways to Check Up on Your 401(k) David Ning discusses the retirement plan and offers investors seven important steps for tracking its growth, including regularly monitoring fees. Not only do the changing legal requirements of 401(k) providers have a direct impact on fees, but other changes may also affect fees and cut into profits.

Ning explains, “If your employer changes the 401(k) service provider or investment options, it’s likely that the 401(k) fees you are charged will also change. Remember that the less you are paying someone else, the more you are keeping for yourself.”

David Ning is a regular contributor of the “ON RETIREMENT” section where he discusses a variety of important topics related to retirement. Ning’s posts provide wealth building strategies for those preparing for retirement and touch on topics relevant to those already enjoying their golden years.

David Ning is an author, advisor and founder of the personal finance blog Ning launched his finance related site in 2007 in order to reach those eager to learn how to best manage their monetary resources.

Over the past three years has evolved into a monthly readership of 300,000 and has developed a growing Facebook fan page. In addition, content from the increasingly popular blog has been featured on the,, and

Visit in order to read David Ning’s most recent 7 Ways to Check Up on Your 401(k) “ON RETIRMENT” post.

Or, go to to subscribe to and to learn more about the comprehensive financial content available on the personal finance website.


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