#retraite_par_capitalisation

Mais peut-être que la #retraite_par_capitalisation, ça marche pour le privé. Ou peut-être pas?

`Silent Heart Attack’ for Pensions Driven by Yields - Bloomberg
http://www.bloomberg.com/news/2010-09-14/company-pension-funds-in-u-s-falling-behind-payouts-amid-low-bond-yields.

“The gap between the assets of the 100 largest company pensions and their projected liabilities widened by $108 billion in August from the previous month to a $459.8 billion deficit, actuarial and consulting firm Milliman Inc. said today in a statement.”

“Contributions to the 100 biggest corporate pension plans increased to $54.5 billion in 2009 from $29.5 billion the previous year and compares with an average of $38.7 billion for the prior five years, Milliman said in an April report. Companies may have to spend even more cash to fund their pensions, Hackel said.”

Mais au fait, est-ce que ça marche, la #retraite_par_capitalisation? Pas pour le secteur public, semble-t-il.

Pensions in Peril - The funding status of state-sponsored pension plans
http://insight.kellogg.northwestern.edu/index.php/Kellogg/article/pensions_in_peril

“State governments in the United States had approximately $2 trillion set aside in pension funds and $3 trillion of “stated” pension liabilities in December 2008. By this measure, the funds seemed to be short nearly $1 trillion. But according to Rauh and Novy-Marx, the shortfall is more than three times larger, at $3.2 trillion.”

“Ohio faces the largest burden. It would need to devote over eight years of tax revenue solely to retirement funding to cover already-acquired pension liabilities. Colorado, Rhode Island, and Illinois are close behind. “Vermont, the least underfunded as a percent of total tax revenue, would still need over twenty months of tax revenue to make up for its pension fund shortfall,” Rauh says.”

Où va l’argent de la #retraite_par_capitalisation?

BBC News - Customers losing thousands on pension fees, commissions
http://www.bbc.co.uk/news/uk-11452857

“Pension-selling companies are taking the equivalent of 80% of money paid into some pension plans out in fees and commissions, BBC Panorama has found.

In one HSBC pension plan, £120,000 paid in over 40 years would result in fees and commissions totalling £99,900.”