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.tdb-title-text{font-family:var(--titles)!important;font-size:42px!important;line-height:1.1!important;font-weight:700!important}@media (min-width:768px) and (max-width:1018px){.tdi_76 .tdb-title-text{font-size:38px!important}}@media (max-width:767px){.tdi_76 .tdb-title-text{font-size:32px!important}}</style> 929<div class="tdb-block-inner td-fix-index"> 930<h1 class="tdb-title-text">The Managed Account QDIA Paradox</h1> 931<div></div> 932<div class="tdb-title-line"></div> 933</div> 934</div> 935<div class="td_block_wrap tdb_single_excerpt tdi_77 td-pb-border-top td_block_template_1" data-td-block-uid="tdi_77"> 936<style>.tdi_77{margin-bottom:30px!important;--tdb-scroll-anim:none!important}</style> 937<style>.tdb_single_excerpt{margin-bottom:14px}.tdb_single_excerpt p{font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:16px;font-style:italic;font-weight:300;line-height:24px;margin-top:0;margin-bottom:0;color:#747474}.tdb_single_excerpt.tdb-content-horiz-center{text-align:center}.tdb_single_excerpt.tdb-content-horiz-right{text-align:right}.tdi_77 p,.tdi_77 h1,.tdi_77 h2,.tdi_77 h3,.tdi_77 h4{color:var(--medium-gray);font-family:var(--excertp)!important;font-size:21px!important;line-height:1.3!important;font-style:normal!important;font-weight:500!important}.td-theme-wrap .tdi_77{text-align:left}</style> 938<div class="tdb-block-inner td-fix-index"><p>Ron Surz says you can’t manage assets for people who will not talk to you, and if they do talk to you it’s not a Qualified Default Investment Alternative</p></div> 939</div> 940<div class="vc_row_inner tdi_79 vc_row vc_inner wpb_row td-pb-row"> 941<style scoped>.tdi_79{position:relative!important;top:0;transform:none;-webkit-transform:none}.tdi_79,.tdi_79 .tdc-inner-columns{display:block}.tdi_79 .tdc-inner-columns{width:100%}.tdi_79{margin-bottom:20px!important;--tdb-scroll-anim:none!important}.tdi_79 .td_block_wrap{text-align:left}</style> 942<div class="vc_column_inner tdi_81 wpb_column vc_column_container tdc-inner-column td-pb-span12"> 943<style scoped>.tdi_81{vertical-align:baseline}.tdi_81 .vc_column-inner>.wpb_wrapper,.tdi_81 .vc_column-inner>.wpb_wrapper .tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_81 .vc_column-inner>.wpb_wrapper .tdc-elements{width:100%}.tdi_81 .vc_column-inner,.tdi_81 .vc_column-inner>.wpb_wrapper{width:100%;height:100%}@media (max-width:767px){.tdi_81 .vc_column-inner>.wpb_wrapper,.tdi_81 .vc_column-inner>.wpb_wrapper .tdc-elements{flex-wrap:wrap;align-items:flex-start}}</style> 944<div class="vc_column-inner"><div class="wpb_wrapper"> 945<div class="td_block_wrap tdb_single_author tdi_82 td-pb-border-top td_block_template_1 tdb-post-meta" data-td-block-uid="tdi_82"> 946<style>.tdi_82{margin-bottom:0px!important;--tdb-scroll-anim:none!important}@media (max-width:767px){.tdi_82{margin-bottom:5px!important;width:100%!important}}@media (min-width:768px) and (max-width:1018px){.tdi_82{margin-bottom:0px!important}}</style> 947<style>.tdb-post-meta{margin-bottom:16px;color:#444;font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:11px;font-weight:400;clear:none;vertical-align:middle;line-height:1}.tdb-post-meta span,.tdb-post-meta i,.tdb-post-meta time{vertical-align:middle}.tdb_single_author{line-height:30px}.tdb_single_author a{vertical-align:middle}.tdb_single_author .tdb-block-inner{display:flex;align-items:center}.tdb_single_author .tdb-author-name-wrap{display:flex}.tdb_single_author .tdb-author-name{font-weight:700;margin-right:3px}.tdb_single_author .tdb-author-by{margin-right:3px}.tdb_single_author .tdb-author-photo img{display:block}.tdi_82 .tdb-author-name-wrap{align-items:baseline}.tdi_82 .avatar{width:50px;height:50px;margin-right:8px;border-radius:50px}.tdi_82 .tdb-author-by{color:var(--dark-gray);font-family:var(--meta-buttons)!important;font-size:14px!important;line-height:1.4!important;font-weight:400!important}.tdi_82 .tdb-author-name{color:var(--secondary);font-family:var(--meta-buttons)!important;font-size:14px!important;line-height:1.4!important;font-weight:600!important}.tdi_82 .tdb-author-name:hover{color:var(--medium-gray)}</style> 948<div class="tdb-block-inner td-fix-index"> 949<a class="tdb-author-photo" href="https://401kspecialistmag.com/author/ronsurz/" title="Ron Surz"><img alt="Ron Surz" src="https://401kspecialistmag.com/wp-content/uploads/2024/07/Ron-Surz.png" srcset="https://401kspecialistmag.com/wp-content/uploads/2024/07/Ron-Surz.png 2x" class="avatar avatar-50 photo" height="50" width="50" loading="lazy" decoding="async"></a><div class="tdb-author-name-wrap"> 950<span class="tdb-author-by">By</span> <a class="tdb-author-name" href="https://401kspecialistmag.com/author/ronsurz/">Ron Surz</a> 951</div> 952</div> 953</div> 954<div class="td_block_wrap tdm_block_inline_text_simplified_2 tdi_83 td-pb-border-top td_block_template_1" data-td-block-uid="tdi_83"> 955<style>.tdi_83{margin-right:5px!important;margin-left:5px!important;--tdb-scroll-anim:none!important}@media (max-width:767px){.tdi_83{display:none!important}}</style> 956<style>.tdm_block_inline_text_simplified_2{display:inline-block;margin-bottom:0;vertical-align:top;font-family:var(--td_default_google_font_1,'Open Sans','Open Sans Regular',sans-serif);font-size:16px;line-height:1.8;text-align:left!important;color:#666}.tdm_block_inline_text_simplified_2 .td-element-style{z-index:-1}.tdi_83{color:var(--dark-gray);font-family:var(--meta-buttons)!important;font-size:14px!important;line-height:1.4!important}</style>|</div> 957<div class="td_block_wrap tdb_single_date tdi_84 td-pb-border-top td_block_template_1 tdb-post-meta" data-td-block-uid="tdi_84"> 958<style>.tdi_84{margin-bottom:2px!important;--tdb-scroll-anim:none!important}</style> 959<style>.tdb_single_date{line-height:30px}.tdb_single_date a{vertical-align:middle}.tdb_single_date .tdb-date-icon-svg{position:relative;line-height:0}.tdb_single_date svg{height:auto}.tdb_single_date svg,.tdb_single_date svg *{fill:#444}.tdi_84 svg{width:14px}.tdi_84 .tdb-date-icon{margin-right:5px}.tdi_84{color:var(--dark-gray);font-family:var(--meta-buttons)!important;font-size:14px!important;line-height:1.4!important}
959.tdi_84 svg,.tdi_84 svg *{fill:var(--dark-gray);fill:var(--dark-gray)}.tdi_84 i{color:var(--dark-gray)}</style> 960<div class="tdb-block-inner td-fix-index"><time class="entry-date updated td-module-date" datetime="2026-10-01T14:50:47-06:00">October 1, 2026</time></div> 961</div> <!-- ./block --><div class="td_block_wrap tdm_block_inline_text_simplified_2 tdi_85 td-pb-border-top td_block_template_1" data-td-block-uid="tdi_85"> 962<style>.tdi_85{margin-right:5px!important;margin-left:5px!important;--tdb-scroll-anim:none!important}</style> 963<style>.tdi_85{color:var(--dark-gray);font-family:var(--meta-buttons)!important;font-size:14px!important;line-height:1.4!important}</style>|</div> 964<div class="td_block_wrap tdb_single_reading_time tdi_86 td-pb-border-top td_block_template_1 tdb-post-meta" data-td-block-uid="tdi_86"> 965<style>.tdi_86{margin-bottom:2px!important;--tdb-scroll-anim:none!important}</style> 966<style>.tdb_single_reading_time{line-height:30px;white-space:nowrap}.tdb_single_reading_time svg,.tdb_single_reading_time svg *{fill:#444}.tdi_86 i{font-size:14px;color:var(--dark-gray)}.tdi_86 .tdb-views-icon{margin-right:5px;position:relative;top:-1px}.tdi_86 .tdb-add-text{color:var(--dark-gray)}.tdi_86{color:var(--dark-gray);font-family:var(--meta-buttons)!important;font-size:14px!important;line-height:1.4!important}.tdi_86 svg,.tdi_86 svg *{fill:var(--dark-gray);fill:var(--dark-gray)}</style> 967<div class="tdb-block-inner td-fix-index"> 968<i class="tdb-views-icon tdc-font-fa tdc-font-fa-clock-o"></i><span class="reading-time-number">9</span><span class="tdb-minute-text"> minute</span><span class="tdb-add-text"> read</span> 969</div> 970</div> 971</div></div> 972</div> 973</div> 974<div class="vc_row_inner tdi_88 vc_row vc_inner wpb_row td-pb-row"> 975<style scoped>.tdi_88{position:relative!important;top:0;transform:none;-webkit-transform:none}.tdi_88,.tdi_88 .tdc-inner-columns{display:block}.tdi_88 .tdc-inner-columns{width:100%}.tdi_88{margin-bottom:30px!important;--tdb-scroll-anim:none!important}.tdi_88 .td_block_wrap{text-align:left}</style> 976<div class="vc_column_inner tdi_90 wpb_column vc_column_container tdc-inner-column td-pb-span12"> 977<style scoped>.tdi_90{vertical-align:baseline}.tdi_90 .vc_column-inner>.wpb_wrapper,.tdi_90 .vc_column-inner>.wpb_wrapper .tdc-elements{display:flex;flex-direction:row;flex-wrap:nowrap;justify-content:flex-start;align-items:center}.tdi_90 .vc_column-inner>.wpb_wrapper .tdc-elements{width:100%}.tdi_90 .vc_column-inner,.tdi_90 .vc_column-inner>.wpb_wrapper{width:100%;height:100%}@media (max-width:767px){.tdi_90 .vc_column-inner>.wpb_wrapper,.tdi_90 .vc_column-inner>.wpb_wrapper .tdc-elements{flex-direction:column;align-items:flex-start}}</style> 978<div class="vc_column-inner"><div class="wpb_wrapper"> 979<div class="td_block_wrap tdb_single_post_share tdi_91 td-post-sharing-show-all-icons td-pb-border-top td_block_template_1" data-td-block-uid="tdi_91"> 980<style>.tdi_91{margin-bottom:-7px!important;--tdb-scroll-anim:none!important}@media (max-width:767px){.tdi_91{margin-right:6px!important;margin-bottom:10px!important}}</style> 981<style>.tdb_single_post_share{margin-bottom:23px}.tdb-share-classic{position:relative;height:20px;margin-bottom:15px}.td-post-sharing-show-all-icons .td-social-sharing-hidden .td-social-expand-tabs{display:none}.td-post-sharing_display-vertically .td-post-sharing-visible,.td-post-sharing_display-vertically .td-social-sharing-hidden{display:flex;flex-direction:column}.tdi_91 .td-social-share-text{border-radius:3px}.tdi_91 .td-social-network .td-social-but-icon{border-top-left-radius:3px;border-bottom-left-radius:3px}.tdi_91 .td-social-network .td-social-but-text{border-top-right-radius:3px;border-bottom-right-radius:3px}.tdi_91 .td-social-expand-tabs{border-radius:3px}.tdi_91 .td-ps-notext .td-social-network .td-social-but-icon,.tdi_91 .td-ps-notext .td-social-handler .td-social-but-icon{border-top-right-radius:3px;border-bottom-right-radius:3px}.tdi_91 .td-post-sharing-visible{align-items:flex-start}.tdi_91 .td-social-handler .td-social-but-text{font-family:var(--meta-buttons)!important;font-size:13px!important;font-weight:400!important}.tdi_91 .td-social-network{font-family:var(--meta-buttons)!important;font-size:13px!important;font-weight:400!important}
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1033<script type="text/javascript"> 1034var _avp = _avp || []; 1035_avp.push({ tagid: 'B0GG31IcbLtxiVoKlGi8', alias: '/', type: 'banner', zid: 1, pid: 0, iframe: true, width: 728, height: 90, refresh: 30, refresh_limit: 3, contextual: true, inview: true, secure: true }); 1036</script>
1036 1037</div> 1038<!-- END ADVERTSERVE CODE --> 1039 1040</div> 1041</div> 1042<p class="wp-block-paragraph"><strong><em>Key Points:</em></strong></p> 1043 1044 1045<div class="wp-block-image"> 1046<figure class="alignright size-large is-resized"><img data-recalc-dims="1" fetchpriority="high" decoding="async" width="696" height="334" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?resize=696%2C334&ssl=1" alt="Managed 401(k) account" class="wp-image-566786" style="aspect-ratio:2.0813324417968513;width:565px;height:auto" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?resize=1024%2C492&ssl=1 1024w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?resize=300%2C144&ssl=1 300w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?resize=768%2C369&ssl=1 768w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?resize=150%2C72&ssl=1 150w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?resize=696%2C335&ssl=1 696w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz1.webp?w=1040&ssl=1 1040w" sizes="(max-width: 696px) 100vw, 696px"><figcaption class="wp-element-caption">Graphics credit: Ron Surz</figcaption></figure> 1047</div> 1048 1049 1050<ul class="wp-block-list"> 1051<li>A Qualified Default Investment Alternative (QDIA) is designed for non-engaging (defaulted) participants, yet “managed” account QDIAs claim to provide personalization without any interaction—creating an inherent paradox because they rely exclusively on recordkeepers’ wealth (capacity) data, without regard to participant needs and wants.</li> 1052 1053 1054 1055<li>It is very important to integrate risk tolerance (willingness) with risk capacity. Rich people with high risk capacity want to stay rich—they typically have low risk tolerance. Poor people want to stop being poor, so they have relatively high risk tolerance.</li> 1056 1057 1058 1059<li>Assets in truly managed accounts far exceed assets in “managed” account QDIAs, leading to confusion between these two distinct kinds of managed account. Assets in truly managed accounts are huge, primarily because rich people’s portfolios are professionally managed. The much smaller amount of assets in managed account QDIAs are not truly managed because they exclude investor goals and preferences.</li> 1060 1061 1062 1063<li>A better, less complicated, default solution is a customized target date fund that blends Conservative/Moderate/Aggressive glide paths to match workforce demographics, sets a single retirement age, and uses only plan-approved funds.</li> 1064</ul> 1065 1066 1067 1068<p class="wp-block-paragraph">I recently wrote that a “managed” account Qualified Default Investment Alternative (QDIA) is NOT actually managed, and that this is a serious problem. In this new article I address the fact that regulations permit this practice, but there is a better, more prudent, approach that fiduciaries and participants should prefer. I also identify two types of “managed accounts”—truly managed and not truly managed. This is an expose’ with a recommended solution.</p> 1069 1070 1071 1072<p class="wp-block-paragraph">Think “<a href="https://www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://401kspecialistmag.com/the-emperor-has-no-clothes-wealth-managements-risky-push-into-401ks/&ved=2ahUKEwjp_dXUmYOXAxU9H0QIHezAN7YQFnoECB0QAQ&usg=AOvVaw2HqAMj_CSZqHLfXphbsBaT" target="_blank" rel="noreferrer noopener">Emperor’s New Clothes</a>.” I hope you find this discussion revealing and enlightening.</p> 1073<div class="td-a-ad id_inline_ad0 id_ad_content-horiz-center"> 1074<span class="td-adspot-title"></span><!-- 728x90-2 --> 1075<div data-tagid="ItXlfKl5GKcNkjoxXiVu">
1076<script type="text/javascript"> 1077var _avp = _avp || []; 1078_avp.push({ tagid: 'ItXlfKl5GKcNkjoxXiVu', alias: '/', type: 'banner', zid: 5, pid: 0, iframe: true, width: 728, height: 90, refresh: 30, refresh_limit: 3, contextual: true, inview: true, secure: true }); 1079</script>
1079 1080</div> 1081<!-- END ADVERTSERVE CODE --> 1082</div> 1083 1084 1085 1086<p class="wp-block-paragraph">A Situational Paradox is a condition that contains opposing factors that lead to a logical trap with no escape. Managedaccount QDIAs are paradoxical because by definition a QDIA is for people who will not engage, so you can’t actually manage their accounts, and if they do engage it’s not a QDIA. This is more than just a semantical trap because 401(k) participant lifetime savings are at risk. QDIA participants trust their employer to somehow figure out a good solution. They shouldn’t trust if the QDIA is a managed account because their risk tolerance is being ignored.</p> 1087 1088 1089 1090<h2 id="h-the-importance-of-risk-tolerance" class="wp-block-heading"><strong>The Importance of Risk Tolerance</strong></h2> 1091 1092 1093 1094<p class="wp-block-paragraph">Risk tolerance is the willingness to take risk. It is limited by risk capacity, the ability to take risk, namely wealth. Managed account QDIAs use risk capacity estimated from recordkeeper wealth data and ignore risk tolerance because defaulted participants won’t tell them that, and if they do tell it’s not a QDIA.<strong></strong></p> 1095 1096 1097 1098<p class="wp-block-paragraph">When participants do engage to identify their risk tolerance they are not defaulting so they’re not in a QDIA. Assets in truly managed accounts far exceed the QDIA version. It’s important to recognize the distinction between <em>actually</em> managed accounts and actually <em>unmanaged</em> QDIA “managed” accounts.<strong></strong></p> 1099<div class="td-a-ad id_inline_ad1 id_ad_content-horiz-center"> 1100<span class="td-adspot-title"></span><!-- 728x90-3 --> 1101<div data-tagid="9xMmebE58UxWNJSQUhRF">
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1105 1106</div> 1107<!-- END ADVERTSERVE CODE --> 1108</div> 1109 1110 1111 1112<p class="wp-block-paragraph">Some say that risk tolerance is too illusive to capture and that questionnaires fail to obtain accurate readings, but publications like this <a href="https://www.finra.org/investors/insights/know-your-risk-tolerance" target="_blank" rel="noreferrer noopener">FINRA article</a> disagree. Also, behavioral scientist <a href="https://www.researchgate.net/publication/228204110_Questionnaires_of_Risk_Tolerance_Regret_Overconfidence_and_Other_Investor_Propensities" target="_blank" rel="noreferrer noopener">Professor Meir Statman has identified the challenges and how to address them.</a> Where there’s a will, there’s a way.</p> 1113 1114 1115 1116<p class="wp-block-paragraph">Risk capacity should limit risk tolerance as an upper bound rather than dangerously taking all of it, as is the case with QDIAs.</p> 1117 1118 1119 1120<p class="wp-block-paragraph">But can defaulted participants, who are generally not rich or financially sophisticated, actually identify their risk tolerance? <a href="https://res.americancentury.com/docs/10th-Annual-Retirement-Savers-Survey-presentation.pdf" target="_blank" rel="noreferrer noopener">Participant surveys</a> say they can: they want to be protected as they approach retirement. Surveys report that defaulted participant risk tolerance is very low near retirement, which is consistent with low risk capacity, so reliance on capacity alone for those near retirement might be all right, but maybe not all right for younger participants, especially if they want a shot at not being poor.</p> 1121<div class="td-a-ad id_inline_ad2 id_ad_content-horiz-center"> 1122<span class="td-adspot-title"></span><!-- 728x90-2 --> 1123<div data-tagid="ItXlfKl5GKcNkjoxXiVu">
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1127 1128</div> 1129<!-- END ADVERTSERVE CODE --> 1130</div> 1131 1132 1133 1134<p class="wp-block-paragraph">Most assets in managed accounts are in fact actually managed because investors in these accounts are financially sophisticated, so not invested in a default. Here’s the distinction.</p> 1135 1136 1137 1138<h2 id="h-two-types-of-managed-accounts-actually-managed-and-qdia" class="wp-block-heading"><strong>Two Types of Managed Accounts: Actually Managed and QDIA</strong></h2> 1139 1140 1141<div class="wp-block-image"> 1142<figure class="aligncenter size-full"><img data-recalc-dims="1" decoding="async" width="696" height="287" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz2.webp?resize=696%2C287&ssl=1" alt="Two types of managed accounts" class="wp-image-566787" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz2.webp?w=936&ssl=1 936w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz2.webp?resize=300%2C124&ssl=1 300w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz2.webp?resize=768%2C317&ssl=1 768w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz2.webp?resize=150%2C62&ssl=1 150w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz2.webp?resize=696%2C287&ssl=1 696w" sizes="(max-width: 696px) 100vw, 696px"></figure> 1143</div> 1144 1145 1146<p class="wp-block-paragraph"><a href="https://www.ici.org/statistical-report/ret_25_q2" target="_blank" rel="noreferrer noopener">The Investment Company Institute (ICI) reports</a> that total assets in retirement savings plans exceed $50 trillion, with $15 trillion in defined contribution (DC) plans and $20 trillion in Individual Retirement Accounts (IRAs). <a href="https://www.cerulli.com/reports/us-managed-accounts-2026" target="_blank" rel="noreferrer noopener">Cerulli</a> reports that<strong> </strong>total<strong> </strong>managed account assets in DC and IRA accounts grew 20% in 2025, from $13.7 trillion to $16.3 trillion due in large part to participant attraction to personalization because investing is personal. What this report, and others like it, fails to acknowledge is the existence of two distinct types of managed accounts—one type is truly managed while the other is not. Truly managed accounts are not QDIAs because the participant actively engages.</p> 1147 1148 1149<div class="wp-block-image"> 1150<figure class="alignright size-full is-resized"><img data-recalc-dims="1" decoding="async" width="264" height="272" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz3.webp?resize=264%2C272&ssl=1" alt="Not a QDIA" class="wp-image-566788" style="width:199px;height:auto" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz3.webp?w=264&ssl=1 264w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz3.webp?resize=150%2C155&ssl=1 150w" sizes="(max-width: 264px) 100vw, 264px"></figure> 1151</div> 1152 1153 1154<p class="wp-block-paragraph">Most assets categorized as managed accounts are truly managed but are not in a QDIA. Adoption of the QDIA version has grown, but it <a href="https://90northllc.com/managed-accounts-as-qdias-balancing-prudence-process-and-participant-needs/" target="_blank" rel="noreferrer noopener">remains a minority strategy.</a> According to New England Pension Consultants’ 2024 Defined Contribution Survey, 46% of plans offer managed accounts, but only 9% use them as the default investment.</p> 1155 1156 1157 1158<p class="wp-block-paragraph">We focus on the QDIA in this article. Of the $16 trillion in managed accounts, less than $1 trillion is in managed account QDIAs. Rich people do not default; their investments are professionally managed.</p> 1159 1160 1161 1162<p class="wp-block-paragraph">Fiduciaries should not confuse the relatively small amount of “managed” account assets in QDIAs with the much larger amount in the real deal; it’s an <a href="https://www.edelmanfinancialengines.com/education/workplace/401k-managed-accounts/" target="_blank" rel="noreferrer noopener">easy mistake to make</a>. Services like Guided Choice, Wealthramp, ProManage and Edelman Financial Engines require participant engagement, so they are not QDIAs.</p> 1163 1164 1165 1166<p class="wp-block-paragraph">Here’s an overview of the (Un)Managed Account QDIA paradox:</p> 1167 1168 1169<div class="wp-block-image"> 1170<figure class="aligncenter size-full is-resized"><img data-recalc-dims="1" loading="lazy" decoding="async" width="696" height="150" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz4.webp?resize=696%2C150&ssl=1" alt="Unmanaged account paradox" class="wp-image-566790" style="aspect-ratio:4.634074074074074;width:670px;height:auto" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz4.webp?w=936&ssl=1 936w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz4.webp?resize=300%2C65&ssl=1 300w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz4.webp?resize=768%2C166&ssl=1 768w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz4.webp?resize=150%2C32&ssl=1 150w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz4.webp?resize=696%2C150&
1170ssl=1 696w" sizes="auto, (max-width: 696px) 100vw, 696px"></figure> 1171</div> 1172 1173 1174<h2 id="h-regulations-and-prudence" class="wp-block-heading"><strong>Regulations and Prudence</strong></h2> 1175 1176 1177 1178<p class="wp-block-paragraph">We have researched regulations governing managed account QDIAs and find that they allow current practices that use recordkeeper wealth data to make the important risk decision, <strong><u>with no participant interaction</u></strong>. Under <a href="https://90northllc.com/managed-accounts-as-qdias-balancing-prudence-process-and-participant-needs/">Department of Labor regulations</a>, managed accounts meet the regulatory definition of a QDIA when they allocate assets based on participant characteristics such as age, salary, and projected retirement date.</p> 1179 1180 1181 1182<p class="wp-block-paragraph">The underlying assumption is that wealthy people can afford more risk; they have high risk capacity so they can take more risk, but that doesn’t mean they should. Note that the regulations do not require a determination of risk tolerance.</p> 1183 1184 1185 1186<p class="wp-block-paragraph"><strong>Taking all the risk you can (capacity) puts you in the <u>danger zone</u>. Toning down capacity with risk tolerance puts you in the <u>comfort zone</u>.</strong></p> 1187 1188 1189 1190<p class="wp-block-paragraph">Even though the regulations permit the current practice of ignoring risk tolerance, fiduciaries should be concerned. Here’s why.</p> 1191 1192 1193 1194<h2 id="h-fiduciary-responsibilities" class="wp-block-heading"><strong>Fiduciary Responsibilities</strong></h2> 1195 1196 1197 1198<p class="wp-block-paragraph">“<a href="https://www.investopedia.com/terms/k/knowyourclient.asp" target="_blank" rel="noreferrer noopener">Know your client</a>” goes well beyond wealth alone. Even though there are no specific laws that prohibit reliance on risk capacity alone in managed account QDIAs, this leads to exposure to high risk. Reliance on capacity alone means taking all the risk you can afford or guesstimating how much capacity you want to use up.</p> 1199 1200 1201 1202<p class="wp-block-paragraph">ERISA requires fiduciaries to prudently investigate and understand the methodology by which a proposed managed account QDIA determines the appropriate level of investment risk, including whether and how the service evaluates participant-specific <strong><u>risk tolerance, risk capacity</u></strong>, investment objectives, and other material financial circumstances.</p> 1203 1204 1205 1206<p class="wp-block-paragraph">Advisors to 401(k) plans are further held to FINRA suitability standards. Registered securities professionals are required to follow <a href="https://www.finra.org/rules-guidance/key-topics/suitability" target="_blank" rel="noreferrer noopener">FINRA Suitability Rule 2111</a> that says: the following, with emphases added by me:</p> 1207 1208 1209 1210<p class="wp-block-paragraph">“<em>A firm or associated person must have a reasonable basis to believe a recommended transaction or investment strategy involving a security or securities is suitable for the customer. This is based on the information obtained through reasonable diligence of the firm or associated person to ascertain the customer’s investment profile.</em></p> 1211 1212 1213 1214<p class="wp-block-paragraph"><em>The rule states that the customer’s investment profile “includes, but is not limited to, the customer’s age, other investments, financial situation and <strong><u>needs</u></strong>, tax status, investment <strong><u>objectives</u></strong>, investment experience, investment time horizon, liquidity needs [and] <strong><u>risk</u></strong> <strong><u>tolerance,</u></strong>” among other information. A broker’s “recommendation,” which is based on the facts and circumstances of a particular case, is the triggering event for application of the rule.</em></p> 1215 1216 1217 1218<p class="wp-block-paragraph">The more a managed account is marketed as personalized—including the recent emergence of <a href="https://401kspecialistmag.com/risk-capacity-used-in-ptdas-is-much-more-dangerous-than-risk-tolerance/" target="_blank" rel="noreferrer noopener">personalized target date accounts</a>—the stronger the fiduciary obligation to investigate whether it actually possesses and uses the information necessary to individualize the participant’s portfolio.</p> 1219 1220 1221 1222<p class="wp-block-paragraph">Fiduciaries need to know if and how risk tolerance is determined. Smart, prudent investment fiduciaries will avoid managed account QDIAs because they do not integrate risk capacity with risk tolerance.</p> 1223 1224 1225 1226<p class="wp-block-paragraph">The following details the importance of integrating risk capacity with risk tolerance.</p> 1227 1228 1229 1230<h2 id="h-risk-should-be-risk-tolerance-limited-by-risk-capacity" class="wp-block-heading"><strong>Risk Should Be Risk Tolerance Limited by Risk Capacity</strong></h2> 1231 1232 1233<div class="wp-block-image"> 1234<figure class="alignleft size-full is-resized"><img data-recalc-dims="1" loading="lazy" decoding="async" width="696" height="276" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz6.webp?resize=696%2C276&ssl=1" alt="Risk tolerance" class="wp-image-566791" style="aspect-ratio:2.5215879167287722;width:605px;height:auto" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz6.webp?w=938&ssl=1 938w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz6.webp?resize=300%2C119&ssl=1 300w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz6.webp?resize=768%2C305&ssl=1 768w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz6.webp?resize=150%2C59&ssl=1 150w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz6.webp?resize=696%2C276&
1234ssl=1 696w" sizes="auto, (max-width: 696px) 100vw, 696px"></figure> 1235</div> 1236 1237 1238<p class="wp-block-paragraph">Because they like being rich, most rich people want to stay rich—they have low risk tolerance that uses only a little of their high risk capacity. A risk tolerance adjusted portfolio for the wealthy will likely not perform as well as an unadjusted portfolio, though it may well provide a more satisfying result. <a href="https://www.amazon.com/dp/1556238045?lv=shuf&channelId=500&plpRedirect=mhFallback" target="_blank" rel="noreferrer noopener">Stocks for the long run</a> has been documented by Professor Jeremy Siegel. There can be an opportunity cost for protecting a fortune against losses.</p> 1239 1240 1241 1242<p class="wp-block-paragraph">Because they don’t like being poor, poor people could want to take risk in hopes of not staying poor—they might have high risk tolerance that uses most of their risk capacity. Consequently, reliance on risk capacity alone may be just right for these participants.</p> 1243 1244 1245 1246<p class="wp-block-paragraph">You can only know risk tolerance by asking because it’s personal. But when you get an answer, it’s not a QDIA.</p> 1247 1248 1249 1250<h2 id="h-a-simpler-more-sensible-qdia" class="wp-block-heading"><strong>A Simpler More Sensible QDIA</strong></h2> 1251 1252 1253 1254<p class="wp-block-paragraph">Fiduciaries should not choose managed account QDIAs because they are very complicated and paradoxical. Instead of guessing individual risk based on recordkeeper wealth data, a customized TDF should be created for all defaulted participants, following <a href="https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/fact-sheets/target-date-retirement-funds-tips-for-erisa-plan-fiduciaries" target="_blank" rel="noreferrer noopener">DoL guidance</a> to conform the TDF to workforce demographics.</p> 1255 1256 1257 1258<p class="wp-block-paragraph">Specifically, the sponsor chooses the appropriate risk for the TDF QDIA by blending Conservative-Moderate-Aggressive glidepaths, plus setting a retirement age for all who default. And the custom glidepath invests in the funds approved for the 401(k). Voila!</p> 1259 1260 1261<div class="wp-block-image"> 1262<figure class="aligncenter size-full is-resized"><img data-recalc-dims="1" loading="lazy" decoding="async" width="696" height="323" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz7.webp?resize=696%2C323&ssl=1" alt="Lifetime glide paths" class="wp-image-566793" style="aspect-ratio:2.151568443008466;width:696px;height:auto" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz7.webp?w=994&ssl=1 994w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz7.webp?resize=300%2C139&ssl=1 300w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz7.webp?resize=768%2C357&ssl=1 768w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz7.webp?resize=150%2C70&ssl=1 150w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz7.webp?resize=696%2C323&ssl=1 696w" sizes="auto, (max-width: 696px) 100vw, 696px"></figure> 1263</div> 1264 1265 1266<p class="wp-block-paragraph">At $5 Trillion and growing, TDFs are the most popular QDIA for good reasons. Note also that TDFs do not claim to manage accounts. Rather, they follow <a href="https://401kspecialistmag.com/fiduciaries-incite-revenge-of-the-baby-boomers/" target="_blank" rel="noreferrer noopener">academic lifetime investing theory</a> that integrates human capital with investment capital through time. As human capital depletes, financial capital becomes safer because we become more reliant on it. As shown in the graphic above, we advocate re-risking in retirement to extend the life of investments after you pass through the Retirement Risk Zone.</p> 1267 1268 1269<div class="wp-block-image"> 1270<figure class="aligncenter size-full is-resized"><img data-recalc-dims="1" loading="lazy" decoding="async" width="696" height="338" src="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz8.webp?resize=696%2C338&ssl=1" alt="Academic lifetime investing theory" class="wp-image-566794" style="aspect-ratio:2.06168232316733
127014;width:643px;height:auto" srcset="https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz8.webp?w=936&ssl=1 936w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz8.webp?resize=300%2C146&ssl=1 300w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz8.webp?resize=768%2C373&ssl=1 768w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz8.webp?resize=150%2C73&ssl=1 150w, https://i0.wp.com/401kspecialistmag.com/wp-content/uploads/2026/10/10-1-26Surz8.webp?resize=696%2C338&ssl=1 696w" sizes="auto, (max-width: 696px) 100vw, 696px"></figure> 1271</div> 1272 1273 1274<h2 id="h-conclusion" class="wp-block-heading"><strong>Conclusion</strong></h2> 1275 1276 1277 1278<p class="wp-block-paragraph">Risk tolerance (preference) limited by risk capacity (wealth) determines appropriate investment risk. Neither tolerance alone nor capacity alone are sufficient under ERISA’s fiduciary duty. Yet managed account QDIAs rely exclusively on risk capacity derived from recordkeeper wealth data because defaulted participants will not engage in order to disclose their risk tolerance. If a participant does engage, the investment is not a QDIA.</p> 1279 1280 1281 1282<p class="wp-block-paragraph">The less than $1 trillion in managed account QDIAs is easily confused with the more than $15 trillion in actually managed accounts. Wealthy people use professional asset managers.</p> 1283 1284 1285 1286<p class="wp-block-paragraph">The big mistake in managed account QDIAs is taking more risk than a participant wants, since risk capacity is the most risk you can take. It’s a mistake that is permitted by law but not by prudence standards. A better, simpler, more prudent approach is to customize a TDF QDIA to workforce demographics as recommended by the DoL in its <a href="https://www.google.com/url?sa=t&source=web&rct=j&opi=89978449&url=https://www.dol.gov/agencies/ebsa/about-ebsa/our-activities/resource-center/fact-sheets/target-date-retirement-funds-tips-for-erisa-plan-fiduciaries&ved=2ahUKEwimr82LoIOXAxXAI0QIHR0BEDgQFnoECA8QAQ&usg=AOvVaw0vO9y3mJCJgxIiaxFGt9PR" target="_blank" rel="noreferrer noopener">TDF Tips</a>.</p> 1287 1288 1289 1290<p class="wp-block-paragraph">Participants who have been defaulted into managed account QDIAs should consider not remaining in that default investment. <a href="https://everhartadvisors.com/85-of-participants-remained-fully-invested-over-a-decade/" target="_blank" rel="noreferrer noopener">Roughly 80% of 401(k) participants default their investment election</a> to their employer as a QDIA, so this is a very important topic.</p> 1291 1292 1293 1294<p class="wp-block-paragraph">A QDIA cannot be truly managed because by definition its participants do not engage.</p> 1295 1296 1297 1298<p class="wp-block-paragraph"><strong><em>EDITOR’S NOTE:</em></strong> <em>401(k) Specialist is committed to sharing different perspectives from throughout the workplace retirement plan community. The views expressed in guest op-eds and columns are those of the writers and do not necessarily represent the views of 401(k) Specialist.</em></p> 1299<span class="cp-load-after-post"></span><div class="td-a-ad id_bottom_ad "> 1300<span class="td-adspot-title"></span><!-- 728x90-3 --> 1301<div data-tagid="9xMmebE58UxWNJSQUhRF">
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