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Fund Forward

Decline in Pensions Good News for Funds

The Department of Labor estimates that automatic enrollment in 401(k) plans, as protected under the Pension Protection Act, will add between $45 billion to $90 billion a year to the plans, which had $3.6 trillion in assets under management in 2006, according to the Investment Company Institute.

But there's another factor at play that will give a tremendous boon to 401(k) administrators and providers, and that is the demise of the $2.2 trillion private pension industry.

Two-thirds of employers that offer pensions plan to freeze them to new hires or eliminate them altogether over the next two years, according to a survey by the Employee Benefit Research Institute and Mercer Human Resources Consulting. In the past two years, the survey also found, 25% of employers closed pensions to new hires and another 13% had frozen them for all employees, for a total of 38% making some alteration.

This creates a tremendous sales opportunity for mutual fund companies, which in recent years have tried to expand 401(k) sales by pursuing smaller companies.

During the booming stock market days of the 1990s, pension plans in the United States only had to collectively contribute $30 billion a year to keep them adequately funded, but after the crash of the stock market in 2000 and a subsequent steep decline in interest rates, that tripled to $90 billion a year and left a number of pension plans underfunded.

Now, the Pension Protection Act has prompted 30% to freeze or close their plans, the survey found.

"This is a watershed event," Jack VanDerhei, a pension specialist at Temple University told the Los Angeles Times. "There has been a steady decline in traditional pensions for two decades, but the trend is really accelerating, and it's going to accelerate even more."

"Companies hate uncertainty, and this law [the Pension Protection Act] has created a lot of uncertainty," said Mauricio Soto, a research economist with Boston College's Center for Retirement Research. But David Certner, legislative policy director for AARP, bemoaned the demise of pensions, saying that 401(k) plans "are not measuring up" and put too much responsibility on investors.

(c) 2007 Money Management Executive and SourceMedia, Inc. All Rights Reserved.

http://www.mmexecutive.com http://www.sourcemedia.com

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.

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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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.