Sponsors, participants impacted by corporate asset move to defined contribution

Article Abstract:

Total corporate retirement assets are shifting from defined benefit assets to defined contribution assets. Should defined contribution assets exceed defined benefit assets, investment decisions will rest more on individual participants rather than on plan sponsors. Education and communication are critical to making employees understand their retirement income investments. Simplicity also facilitates decision-making for the participants. The use of index funds is expected to address these needs. Index funds offer lower costs, diversification, risk reduction, performance and predictability.

Analysis, Economic aspects, Retirement benefits, Defined contribution plans

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Packaging real estate mortgages for pension fund investments

Article Abstract:

A looming liquidity crisis in the real estate mortgage market provides pension funds with an alternative investment opportunity. An estimated 80% of all existing commercial mortgages is predicted to require refinancing within the next five years. Since the traditional lending sources will be unable to meet the demand for new loans, pension fund sponsors can become mortgage lenders. The four major categories of real estate mortgages that pension funds can invest in are described.

Pension, health, and welfare funds, REAL ESTATE, Finance, Real property, Mortgages, Refinancing

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