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Fund Forward

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.

I would characterize all of the above as Mutual Funds v. 2.0.

What fund leaders need to do now is bring their companies into Mutual Funds v. 3.0, where they link all of a customer's current and future financial considerations together and make it seamlessly, electronically easy for a customer to conduct business.

New York City Transit, for instance, in partnership with MasterCards issued by Citigroup, last week debuted a contactless payment pilot plan.

For the last five years, Chase ATMs have conveniently resided inside the Duane Read drug store chain that populates all of NYC.

Can't bank-owned or affiliated fund companies get products already purchased by customers (therefore, ensuring the investors have received all of the legal documents) on their ATM options menu?

Can't fund companies help their customers data mine their own information-which is the very business model for the successful Mint.com startup?

AARP recently announced it would air segments on living the good life in retirement, on NBC's "Today Show" but it didn't gain any traction. This reopens the window of opportunity. AARP keeps tracking on with marketing innovations, last week unveiling a newly redesigned website, AARP.org, adding personal growth, tech, sex and relationship channels. In June, AARP will supply a free news app for the iPhone and iPad and follow up with more ideas. It is also digitizing its AARP The Magazine and other of its publications on Texterity's platform.

Last year, Putnam Investments CEO Robert Reynolds became the first mutual fund executive to send Twitter messages.

There are now limitless, interesting new ways for companies to compel and speak to their customers.

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

Recent Posts

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.

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 401(k)s and how they can be fixed.

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