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Fund Forward

401(k)s Will Supplant Pensions in Our Lifetimes

How far the 401(k) has come since employers first introduced the savings plan in 1981. And how far it has yet to go. 401(k)s, I predict, will become universal in our lifetimes, supplanting all forms of pension plans.

The first time I heard about 401(k)s, when I entered the workforce in 1982, was from a fellow classmate from the University of Pennsylvania, who was familiar with then-esoteric 401(k) section of the IRS code (then being touted merely as a tax benefit), since she worked as an accountant for Coopers & Lybrand.

Recently, 27 years later, I was discussing pensions and the future of 401(k)s with another fellow classmate from another of my college alma maters, Skidmore College. An attorney with the Federal Emergency Management Agency, she offered the point of view of a lifelong government employee, who chose the public sector over the far more lucrative private sector partially because of the lifelong pension benefits the government provides, starting at a relatively young age, at that.

Noting that federal, state and local governments are offering pension/457 plan hybrids as a way of weaning government workers off of pensions, and that she herself has a self-directed Thrift Savings Plan, I maintained the goal of the government is to eventually make guaranteed pensions extinct. No way, she said, taking umbrage that it was even remotely possible for the government to so completely change course.

Shifting the responsibility for one's retirement onto workers, be they private sector, non-profit, union or government employees, is, for better or worse, the future. I would even go so far to say that the current trend of smaller employers ceasing healthcare coverage, blaming it on the recession, is also the wave of the future. Health savings accounts will someday take their place.

As 401(k)s march toward becoming universal, the mutual fund industry is in a fighting position to lobby for many of the improvements that were discussed at the ICI's recent General Membership Meeting. As more workers are left holding the bag, we have a responsibility for the outcome of Americans' retirement outlook to do so. Automatic enrollment and investment increases, target-date funds and embedded advice from third-parties are excellent first steps.

(c) 2009 Money Management Executive and SourceMedia, Inc. All Rights Reserved.

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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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