If there's one thing the retirement industry is good at, it's surveys – on the retirement industry. Not that I'm complaining – they're certainly a good source of insight on the trends in the business and the ways that consumers are (or are not) responding to changes in the American economic climate.
You just get a little overwhelmed at times, and occasionally confused as the results of one particular survey seem to contraindicate the next. A bit like the polls that you'll see candidates rolling out as one of history's most divisive political campaigns hits high gear in the coming months.
What we can agree on are some of the most basic facts, reiterated on a weekly basis in the surveys: state and corporate pensions are tremendously, drastically and fantastically underfunded and are receiving investment returns the worst I've seen since the days of my no-interest kiddie bank account.
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