Ryan ALM
Blog
Real People, Real Implications
I frequently read about issues within our pension industry, and there are many. Sometimes, and I am embarrassed to admit this, I fail to connect the problem that is being discussed with the harm that the issue in question brings...
It Is National Retirement Security Week
National Retirement Security Week, held during the third week in October, is a dedicated effort to raising awareness and helping individuals take concrete steps towards a secure retirement. The week-long observance was initiated in 2006 after U.S. Senators Gordon Smith...
A Disconcerting Trend
I read a stat the other day that got me thinking. The report from which I grabbed my nugget of information indicated that the Millennial cohort has roughly 3% of the total wealth in the US. It seemed like a...
And Then There were 61!
I wish that my reference to the # 61 had to do with Roger Maris breaking Babe Ruth's home run record, but alas it has to do with the fact that there are ONLY 61 companies in the S&P 500...
Ryan ALM 3Q'20 Newsletter
We are happy to share with you the Ryan ALM 3Q'20 Newsletter . As is always the case, our newsletter provides a unique perspective on how pension assets have been performing versus plan liabilities and the history of those relationships....
The Gap Matters Big time!
At roughly the same time that traditional DB plans were starting to fade from use in the private sector and workers were being asked to primarily fund their own retirements through a DC option, wage growth diverged unexpectedly and significantly...
Corporate Pension Funding Drops Slightly in September
P&I is reporting that the average corporate pension plan experienced a marginal decline in the funded ratio, as the fall in asset values, primarily driven by lower equity returns, outpaced the slight fall in liabilities, as corporate spreads marginally widened...
What's The Objective?
There has been a tug of war for decades within pension systems (public, private, and multiemployer) as to what is the correct objective: maximizing return or securing the promised benefits. Unfortunately, the idea that pension systems should maximize return has...
The Most Vulnerable Get Hit The Hardest!
Often we read that a current event is different than that which we've experienced in the past only to realize that history is actually repeating itself. Well, the impact of Coronavirus on our most vulnerable workers, those making the least...
That Was Unbearable!
A day after writing "Fingers Crossed", I am left shaking my head at the embarrassing spectacle that much of America and I watched last night. Earlier yesterday I felt that because of the upcoming election politics would win out and...