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Fund Forward

Appeal to Investors' New Conservative Outlook

Besides learning that investors have not bailed out of their 401(k) plans, contrary to scare-mongering media reports, there was one other surprising moment at this month's General Membership Meeting of the Investment Company Institute. And that was when Richard Davis, chairman of U.S. Bancorp, looked directly at ICI President Paul Schott Stevens and urged him to prompt his member mutual fund companies to figure out how the financial crisis has affected various age groups.

Davis is not alone in calling the financial crisis a life-changing event. Increasingly, there have been reports that the global economic upheaval has made such an impression on Americans that it will have a lasting effect on how they spend and save.

Even after the recession ends, according to a survey by financial consulting firm AlixPartners, Americans plan to adjust their spending to 86% of pre-recession levels, which effectively is a 10% drop. They will also save 14% of their earnings, with replenishing their 401(k) and other retirement savings accounts their biggest concern.

Most notably, Americans are more committed than ever to saving and investing, which is remarkable since some people have lost between 30% and 60% of their life savings over the past six months.

At this inflection point, the mutual fund industry has a tremendous opportunity to address and embrace these concerns. First, we need to offer more conservative choices and simpler, scaled down 401(k) plans that include target-date funds with more realistic glide paths. We also need to convince more sponsors to automatically enroll and re-enroll workers in their retirement plans, and to automatically step up their contributions each year. Making retirement-income solutions and annuities available within 401(k) plans will probably turn out to be the best way to capture rollover dollars, and they could become quite popular among our customers.

We also should lobby for mandatory financial education in school and provide meaningful financial advice in 401(k) plans through third-party providers. To date, much has been made of advice in DC plans, but it is actually quite rare.

(c) 2009 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 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.