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| Subject: pension plans A retirement plan is an arrangement to provide people with an income during retirement when they are no longer earning a steady income from employment. Often retirement plans require both the employer and employee to contribute money to a fund during their employment in order to receive defined benefits upon retirement. Funding can be provided in other ways, such as from labor unions, government agencies, or self-funded schemes. Pension plans are therefore a form of “deferred compensation”. (Wikipedia Feb 2010) US Equities By John Schroy, on February 25th, 2006 |  Leave a comment  Over 55% of corporate stock that belongs to US Households and Nonprofit Organizations is held indirectly through intermediaries who have the power to vote these shares. The major holders of these voting powers are pension plans and mutual funds. This means that it is not shareholder-owners that control most US public corporations, but hired intermediaries, each of which have conflicts of interest. February 25th, 2006 | Print Article |  Email Article |  Topics: defined benefit pensions, insurance company, mutual funds, pension plans, proxies | Category: US Equities | Leave a comment |  Short urlRetirement plans By John Schroy, on February 23rd, 2006 | Leave a comment  Between 1999 and 2002, US private pension funds lost US$ 1.2 trillion in value. It would almost seem that pension fund managers had been speculating with retirement money, attempting to beat each others’ short-term performance statistics, with little interest in safeguarding the assets of plan beneficiaries. Political intrusion and trade unionism have debilitated the pension fund industry over many generations. The end of the pension industry may now be in sight. February 23rd, 2006 | Print Article | Email Article | Topics: 401(k) plans, Alan Greenspan, annuities, Arthur Levitt, Benjamin Graham, Bill Clinton, CFA, common stock legend, Corporate Governance, defined benefit pensions, Democratic Party, dividends, Enron, ERISA, Financial Economists Roundtable, Franklin Roosevelt, insurance company, Lyndon Johnson, Myron Scholes, Pension Benefits Guarantee Corporation, pension fund, pension plans, price earnings ratios, Robert B Reich, Robert E Rubin, Ronald H Brown, Sarbanes-Oxley Act, Total Returns, trade unions | Category: US Politics, featured | Leave a comment | Short urlQ3 2005 By John Schroy, on February 21st, 2006 | Leave a comment  Life insurance companies invest pension and life insurance reserves primarily in bonds, according to Federal Reserve Flow of Funds Table F 117 for Q3 2005. Although favoring agency securities and treasuries in 2002, life insurers quickly returned to their traditional investment behavior of buying mostly corporate bonds. Since 1997, pension funds have become the principal business of life insurance companies, as indicated by the relative size of life insurance and pension funds reserves. February 21st, 2006 | Print Article | Email Article | Topics: Bonds, Inflation, insurance company, mutual funds, pension fund, pension plans | Category: US Bonds | Leave a comment | Short urlFeatured articles on inside pages
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