Ryan ALM
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What’s Better For a Pension?
Asset returns are uncertain and very volatile. The S&P 500 is a good example. Since 1990 this index has enjoyed 13 years of 20% + growth. Unfortunately, it was accompanied...
Pension Strategy to Reduce Funding Costs by 20%+
The true objective of a pension is to secure and fully fund benefits in a cost-efficient manner with prudent risk . It is a liability and cost objective… it is...
The Evolution of Asset/Liability Management
CEO, Ryan ALM, Inc. What Is Asset/Liability Management (ALM)? The objective of most institutions in the United States with assets to invest is to fund some sort of liability, (banks,...
Optimizing Asset Allocation
The asset allocation decision is the single most important asset decision since it affects all assets and the funded status of a pension plan. Strategic asset allocation (AA) takes a...
Pension Confusion - Find the Liabilities
Securing and funding liabilities in a cost-efficient manner with prudent risk is the true pension objective. Although liabilities should be the focus of pensions, it is hard to find liabilities...
Greatest Asset of a Pension… TIME!
I recently spoke at the FPPTA conference in Orlando on pension risk management. One of the speakers was Mike Welker, CEO of AndCo Consulting, who I thought had the most...
NIRS Innovative Pension Funding Strategies
The NIRS pension objectives for this paper are: Reduce contribution volatility Promote intergenerational equity Keep plan on sound funding trajectory Cash Flows (Future Values versus Present Values) Pensions are all...
Pension Alert: Secure Funded Status!
Private Pension Alert: Secure Funded Status! The pension objective is to secure benefits in a cost-efficient manner! Many private pension plans are in the best funded status since 1999. It...