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Fund Forward

At Age 30, It's Time for a Revamping for the 401(k)

This year marks the 30th anniversary of the 401(k), the revolutionary retirement savings vehicle that has been annihilating pension plans, empowering individuals to take part in the stock market-and, sadly, that left retirees with the misfortune of leaving the workforce in 2000 or 2008 very badly off.

The cracks in the system are prompting many asset managers, regulators and retirement experts to take a hard look at the 401(k) system and how it can be fixed.

First case in point: It is very difficult for individuals inexperienced in investing to save enough, assemble an appropriate portfolio and systematically reallocate it.

As Alicia H. Munnell, director of the Center for Retirement Research at Boston College, puts it, "I find having it all up to individuals doesn't make sense."

Of course, automatic enrollment, defaults and target-date funds make up for some of these limitations, but with only 50 million U.S. workers participating in 401(k) plans, with a total of $2.3 trillion saved, the 401(k) is clearly vastly underutilized. Not only are people not saving enough, but industry assets are obviously far short of where they should be.

Put into more personal terms, the average 401(k) account balance is less than $46,000 and the median value is a mere $12,655, according to the Employee Benefits Research Institute.

Further, 54% of those who have saved for retirement have less than $25,000 saved, and 27% have less than $1,000.

While target-date funds took heat after one 2030 fund plummetted 41% in 2008, investors have, overall, done well in these funds. Morningstar found that target-date funds have actually outperformed balanced offerings across the board in the past three years (See "Week in Review," page 4). The average 2035 fund lost 1.93%, while the average balanced fund lost 2.77%.Further, Morningstar found that those companies that went ahead and answered calls to reduce equity exposure in their target-date funds saw these funds suffer steep losses in 2009.

Second case in point: The recession prompted many employers (or gave them the excuse) to stop matching contributions, making it even harder for workers to adequately prepare for retirement.

The third major improvement to 401(k) plans: Annuities, possibly automatically allocating half of a retiring worker's savings to an immediate annuity (see related stories in "Week in Review," page 4). This way retirees would have at least some guaranteed lifetime income.

(c) Copyright 2010 Money Management Executive and SourceMedia Inc. All rights reserved.

Recent Posts

Mutual Funds Must Go High-Tech-v. 3.0

Over the last number of years, mutual fund transfer agencies and shareholder communications companies have tried to convince shareholders to accept paperless summary prospectuses, proxies, trade confirmations and electronically stamped signatures. Fund supermarkets and web home pages have broadened their horizons to include market commentary, videostreaming and personal financial news. At the same time, exchange-traded funds, funds-of-funds, hedge FoFs, unified managed accounts, target dates, 401(k) auto enrollment and heightened awareness among people throughout the country of the difficulties of being retired-have taken off.

Test of the Massey Mine

Fund giant boards of directors at AllianceBernstein, American Funds, Fidelity, Vanguard and others are reportedly starting to bring about meaningful change in the corporations in which they are invested. Proof should come any day now, when the shareholder proxy votes from the annual meetings are released. Fund chief executive officers spoke about the power and influence their proxies wield in an interesting Reuters article last week, "Mutual Funds Seek to Shed 'Rubber Stamp' Tag."

Milestones

In 2011, 401(k) plans will turn 30, but the milestones the mutual fund industry has reached in this time are but a nanosecond in the history of U.S. retirement policy. Executives we interviewed for this special edition of Money Management Executive for the Investment Company Institute's meeting in Washington, speak to important milestones of the recent past and into the future. Look inside for observations and forecasts by Ted Benna, Robert L. Reynolds, Dan Fuss, David C. John, Steven Miyao and others.

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Posted by: anthony d | March 3, 2011 8:28 AM

Lee Barney

Lee Barney served as editor of Money Management Executive from 2002 to 2010. Previously, at United Media’s Wall Street & Technology magazine and Risk/Waters Information Services, she covered financial IT. For TheStreet.com, she wrote the daily “Meet the Street” column covering a broad spectrum of market-moving events. Lee began her career as a reporter in Tokyo with The Japan Times and was executive editor of Spotlight magazine.