Advice

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4 pack
Rollover Training 

Work smarter to win more business with low exposure and give retirement investors better choices. This training is for Financial advisors and all who service or support Rollover business

Course Content:

  • Module 1: Smart Ways to Access Rollovers
  • Module 2: Smart Rollover Practices
  • Module 3: Smart Pricing
  • Module 4: Managing Exposures
4 pack 
Sample Templates 4 Pack 

Sample templates are the simple way to formalize the key requirements of Regulation Best Interest by making changes to the standard forms and adding necessary disclosures. The Sample Template 4 Pack includes Investment Discovery and Recommendations and Rollover Discovery and Recommendations.

bundle 408g 
Making the Most of 408g - The Series

Making the Most of 408(g) is a series of four reports (“Series”) designed to inform the decision and optimize the implementation of the 408(g) exemption. Each report is focused on a separate area of interest so that together the Series offers a broad understanding of the opportunities and implications of the 408(g).

The Series consists of reports covering:

  • Agreements, Disclosures, Notifications
  • Generally Accepted Investment Theories
  • Marketing 408(g)
  • Risk Management
408g Agree
Making the Most of 408g - Agreements, Disclosures, Notifications

This paper is one of a series that is intended to provide users and those considering use of 408(g) with guidance from the perspective of the independent auditor and independent expert required by the exemption.

This paper presents best practices for complying with audit and certification requirements relating to this communication.

Investment 408g
Making the Most of 408g - Investment Theories

This paper is one of a series intended to provide users and those considering use of 408(g) with guidance from the perspective of the independent auditor and independent expert required by the exemption.

This paper presents best practices for complying with audit and certification requirements for the variety of Generally Accepted Investment Theories.

Marketing 408g
Making the Most of 408g - Marketing 408g

This paper is one of a series intended to provide users and those considering use of 408(g) with guidance from the perspective of the independent auditor and independent expert required by the exemption.

This paper describes opportunities to leverage the 408(g) process to increase confidence of existing clients and make advice services more compelling for prospective clients.

risk
Making the Most of 408g - Risk Management 

This paper is one of a series intended to provide users, and those considering use of 408(g) with guidance from the perspective of the independent auditor and independent expert required by the exemption.



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Communications

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TBPIS
Trends & Best Practices in Investor Statements

DALBAR’s 2019 Trends & Best Practices in Investor Statements is the 21st annual analysis and ranking of statements across multiple distribution channels, including brokerage, mutual fund, variable annuity and retirement plans. This report identifies leading firms in each channel and highlights best-in-class features, emerging trends and innovations in client reporting.

perfreport
Trends & Best Practices in Performance Reporting

Performance reporting paints a complete picture of a portfolio and provides a deep look into the allocations, performance and investments that make up clients’ accounts. These tools go beyond the quarterly statement and assist clients in understanding their investment strategies and help to identify when changes need to be made. DALBAR’s Trends & Best Practices in Performance Reporting reveals the features that make these documents, vital components to the firm-advisor-client relationship, best-in-class.



Cybersecurity

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execsummary
State of Authentication in Financial Services – Executive Summary

DALBAR and ThinkAdvisor conducted a survey of leading financial institutions to catalog the authentication practices currently being used across four points of entry into your records, including: websites, mobile devices, interactive voice response units (“IVR”), telephone contact centers, and online statements. This Executive Summary provides an overview of these defenses and allows your organization to compare its own cybersecurity practices to the financial community at large.

Roundtable
Multi-Sector Cyber-Defense Collaborative

Multi-sector Cyber-defense Collaborative (“MCC”) is a membership group formed to identify and share the most effective practices being used by financial services institutions and service providers to combat the threat of cybercrime. Through a combination of in-person and virtual meetings, each member gains access to the combined knowledge of MCC members. Tools are in place to allow a free exchange of ideas and to provide advance notice of potential cyber threats.

execsummary
State of Authentication in Financial Services – Authentication Trends

DALBAR’s Authentication Trends Report assists financial institutions in determining which practices need to be added or enhanced and the sequence for making improvements based on the risk, cost, timeframe and hurdles to overcome. This report breaks down the cyber-defenses currently in place for various points of entry, lines of business and audiences. Potential vulnerabilities are identified, as are specific practices gaining traction and falling out of favor. This report will assist institutions in setting priorities based on risk, cost, timeframe and hurdles to overcome.



Digital 

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State of the Industry – Online Account Opening
State of the Industry – Online Account Opening

Offering anything other than a robust and captivating online pre-sale and account opening experience is one quick way to hamper the sales process. DALBAR’s State of the Industry – Online Account Opening research delves into the account opening experience offered to self-directed, robo-advisor and managed account clients and highlights best-in-class practices.

Best in Class Home Pages
Best-in-Class Plan Participant Home Pages

First impressions Count! We're offered a very small window in time to get a reaction. Ideally, function and usability should take precedence over how one judges a Home Page, but there is that "appearance" issue to contend with as well. Ultimately, that first experience has the strongest impact on the big decision to take another step...

This report highlights the 10 Plan Participant Web sites that DALBAR analysts identify as "Best-in-Class".

MI - The World of Mobile Optimized Web Sites
Mobile InSIGHT - The World of Mobile Optimized Web Sites

In order to remain 'in the customer's view', financial firms must stay current and leverage the mobile Web to establish a meaningful presence on their customers’ devices. However, two overarching questions remain: exactly what content should be mobile accessible and what is the best way to utilize screen space?

DALBAR's Mobile InSIGHT analyzed financial services firms’ mobile optimized Web sites and recognized those who create a meaningful user experience fit for mobile consumption.

Ranking Report

Mobile InSIGHT – Innovations in the World of Apps
This report analyzes financial services firms’ mobile software applications and recognizes those pacesetters whose mobile apps have led them to a higher, more continuous level of visibility. Read about trends and best practices, see app ratings, benchmarking stats and more.


supportingpp
NEW! Supporting the Current and Future Financial Health of Plan Participants

Making employees' financial health a top priority just makes good business sense because it increases dollars and cents. Employees who are unduly burdened by financial stress are less productive, less focused, less healthy and more litigious. DALBAR looked at providers’ offerings to plan sponsors that address participants financial health - current and future. This study looks at the financial wellness resources made available (impacting employees’ current financial health), as well as the measures utilized to enable sponsors to gauge the health of their plan (impacting employees’ future financial health).

The impact that employees’ financial stress has on a firm's bottom line cannot be overstated.


e-Delivery

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onlinebehavior
NEW! e-Delivery: Online Search Behavior Analysis

When it comes to e-Delivery programs, understanding customer needs is a key determinant of success. With so many financial services firms facing challenges in improving e-Delivery adoption rates, DALBAR has put together a unique and innovative study of online search behavior related to e-Delivery that can help firms better understand what customers are looking for and in turn better plan for e-Delivery adoption campaigns.

This industry leading report provides an overview of e-Delivery search behavior on Google by geographical location in the US as well as by age, gender and household income. In addition, this report provides an analysis of the kinds of search terms users interested in e-Delivery are relying on to find solutions to their reporting needs.

eDelivery
State of the Industry: The Online e-Delivery Experience

State of the Industry: Online e-Delivery Election Experience uncovers the process of consenting to electronic delivery. DALBAR reviewed 42 unique e-Delivery election experiences across four segments of the financial services industry: Retirement, Life Insurance & Annuity, Mutual Funds and Brokerage.

eDelivery
e-Delivery Benchmark Study

DALBAR identifies the biggest e-delivery concerns that the Financial Services industry faces, highlighting:

  • Paperless adoption rates for the most common communications
  • Annual savings from e-delivery and spending on boosting adoption
  • Obstacles faced in converting investors to electronic
  • Tactics and strategies utilized to gain consent
  • Methods of promoting e-delivery and driving investor action
  • How clients make use of the service and what potential issues might affect the experience
  • How clients are alerted to the availability of new documents and how are they accessed
  • Reasons for suspending e-delivery



QAIB Products


Unpanickingkit
NEW! The Un-panicking Investors Kit
$99

With 24 hour news, market analyses, and predictions of doom, financial advisors have a tough job "un-panicking" investors. That is why DALBAR created the The Un-panicking Investors Kit.
adivsor
NEW! QAIB Advisor Edition
$99

The 2019 QAIB Advisor Edition for the period ending 12/31/2018 is made for the average investor and designed exclusively to be a client facing communication, this version includes the rights to redistribute printed or electronic copies of the complete report to investor clients.

premium Version
NEW! QAIB Premium Edition 
$1500

This is a New Premium Edition of the QAIB 2019 report for the period ending 12/31/2018 with exclusive premium content including a whitepaper, more categories of average investors, a periodic table and one hour of consulting. This study includes copyrights to its entire contents.
standard
NEW! QAIB Standard Edition
$795

The 2019 QAIB Standard Edition, formerly known as Full Study for the period ending 12/31/2018 will include the average investor returns over a 20 year period for Equity, Equity Index, Fixed Income and Asset Allocation categories of investors. This study includes everything that is QAIB, as well as copyrights to its entire contents.
quincypart2
NEW! QAIB-VA
Download The Abstract


DALBAR's Quantitative Analysis of Investor Behavior presents...The VA Breakthrough: Answering the Attack on Fees. Variable Annuities have not been able to effectively respond to the blistering criticism of high fees and surrender charges until now!
Copyrights
Copyrights Add-on
$249

This add-on grants purchasers of the copyrights full permission to incorporate certain materials into other works on the condition that Licensee makes required regulatory disclosures and sources QAIB and DALBAR as appropriate.

  Harry 
Anatomy of Investor Returns: Harry
$99

Meet Harry. He’s a confused, disenchanted skeptic, trying to find answers about his investment account. Use this blunt, light-hearted story to highlight concerns of the average investor and foster an honest discussion about your client-advisor relationship, and what makes you different.

sumreturn
Summary of Returns
$99

This report examines the ways investors can mitigate their money-losing behavior during maximum impact events. It looks at 10 months in which the Average Equity Fund Investor underperformed the S&P 500 by the largest margin.

elect
QAIB Return Builder
$250

Looking for more than the typical 1, 3, 5? Generate Average Investor Returns based on your custom timeframes of over 25 different categories of “Average Investors”.

Periodic Table of Investor Returns
$250

Get the Average Investor Returns for 22 different classifications of fund investors over the last 10 years! This Periodic Table ranks various Average Fund Investors from highest to lowest for each year.

info
Investor Behavior Infographic
$49

A fun and memorable infographic that highlights the major investor behaviors which negatively impact returns.

return
2018 Return vs. Benchmark
$79

A graphical representation of the Average Equity, Fixed Income, and Asset Allocation Fund Investor Return for 2018 vs. benchmarks of the S&P 500, BloombergBarclays Aggregate Bond Index, and inflation.

info
2018 Fund Flows vs. S&P
$49

Two graphs overlaid on each other. One graph tracks the S&P 500 throughout 2018 while the other tracks the net inflow or outflow of equity mutual fund assets for each month. Used to show the relationship between Average Investor’s buying/selling and market performance.

cap
2018 Capitalization & Style Analysis
$79

A visual depiction of Average Investor Returns broken down by capitalization (large, mid, small-cap) and style (growth, value, blend).

Retention
Retention Rates
$49

These 3 graphs show the Retention Rates of equity, fixed income, and asset allocation funds dating back to 1999.

election
2016 Election
$99

QAIB look-backs take an in depth look at the average investor during specific, noteworthy periods in the stock market’s history.

DotCom
The DotCom Crash
$99

QAIB look-backs take an in depth look at the average investor during specific, noteworthy periods in the stock market’s history.

monday
"Black Monday" (1987)
$99

QAIB look-backs take an in depth look at the average investor during specific, noteworthy periods in the stock market’s history.

Quincy
Quincy & Caroline Part 1
$99

This infographic tells the story of Quincy and his wife Caroline who inherited $20,000 in 1998. They each took $10,000 and invested it in their own account. They both invested in mutual funds with similar performance but this husband and wife have very different styles when it comes to when and how much to invest. Fast forward 20 years and see how Quincy and Caroline are doing today.

Max Impact
Maximum Impact Events
$250

This report examines the ways investors can mitigate their money-losing behavior during maximum impact events. It looks at 10 months in which the Average Equity Fund Investor underperformed the S&P 500 by the largest margin.


quincypart2
NEW! Quincy & Caroline Part 2
$99

Explaining market recovery to fear-filled investors concerned about a downturn is not easy. This infographic about a married couple who think very differently is a sequel to the 2018 Quincy and Caroline, A Tale of Investing.

Contact Center Offering

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TBPCC
NEW! Pre-Order Trends & Best Practices in Financial Services Contact Centers

Financial services and insurance contact centers face many unique challenges, from a tight regulatory/compliance environment, to complicated products to ever-increasing customer expectations. DALBAR’s Trends & Best Practices in Financial Services Contact Centers study is designed to help you thrive in this challenging environment by providing broad-based financial services and insurance specific benchmarks and best practices.



Customer Experience

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cxa
NEW! Investor Insights Study Series

Investor Preferences are constantly evolving and today’s customers expect much more of the companies they choose to do business with. It’s time to get a solid understanding of what your customers are looking for. This study combines DALBAR’s Customer Experience expertise with input from some of the top providers in the financial services industry, and will determine exactly where customer preferences lie.

onlinesecurity
NEW! Investor Insights: Online Security

DALBAR’s Investor Insights study on Online Security identifies the priority clients place on their financial firms’ security measures as well as their impressions of those practices (that are visible to them). Survey participants were also asked to confess to their own precarious online behavior and this report also offers best-in-class security tactics currently utilized by financial firms.

Make a Research Request

If you are in need of specific research, get in touch with us and make a request.

DALBAR's, Inc. is focused on helping our clients to build a successful business in finance