Tuesday, March 9, 2010

Public Pension Funds Are Adding Risk to Raise Returns (3/15)

How risky do you want your pension funds?
Posted by MsMeachum at 9:20 AM

8 comments:

  1. ErikaMarch 9, 2010 at 4:42 PM

    I don't want risk. Now really doesn't seem like the time to play games with money. Didn't we already take chances with mortgages? We said, "Oh, let's let so-and-so try to pay this off. It'll be risky, but we may get a lot more income from these extra mortgage payers." Did that work out? I don't think so. A lower amount with a rock solid foundation makes me feel much happier than only having the possibility of a high amount, with more risk.

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  2. ShariMarch 10, 2010 at 9:27 PM

    I agree with Erika on this. Risky pensions plans is asking trouble. There is more of a chance that this will go bad, and end up hurting pensions greatly. As Erika said, it sounds like a version of the bank ordeal.

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  3. RyanConleyMarch 11, 2010 at 12:08 PM

    I do not want my money and my future to be messed with. Just like Erika said we see the games that have already been played with our investments and I just do not want to take that risk again

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  4. UnknownMarch 12, 2010 at 9:05 AM

    If you want risk, go to Vegas.
    If you're really thinking about your future, you're not going to put all of your money into high-risk bonds and savings plans that could lose all your money.
    Personally, I'm not the biggest risk taker. I would be more inclined to invest my money in lower-risk bonds, and then if I wanted to take a risk for some quick cash, have a separate fund for Vegas trips.
    But some of these companies who have a lot of stock and are moving away from that have the right idea, I would think.

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  5. Stevie JayMarch 12, 2010 at 11:22 AM

    Obviously no one who is not made of money wants their pensions at a very risky level. It is important to understand that the high the risk, the higher the reward.

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  6. ikramerMarch 13, 2010 at 10:08 AM

    I do not want my pension funds to be risky. I would like to have money put away so that when I retire I will be able to have the money. I do not want it to be put into something where all of a sudden I could lose all of the money. People do not need any more problems with money. If we were to have risky pension funds, I do not think many people would be able to retire as soon as they would like.

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  7. UnknownMarch 13, 2010 at 10:51 PM

    I agree with everyone else that risk is not a great idea. I like what Ian said; I agree that I want money to be there in my retirement fund, and I don't want there to be a chance that I can lose everything. Stevie is right...the higher the risk, the higher the reward, but there is also a possibility that there is no reward at all. High risk would not be the best bet.

    -Allison Silverstone

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  8. UnknownMarch 14, 2010 at 1:00 PM

    I think Stevie has a point in that if you were to take the riskier path and were to yield returns, the returns are liable to be higher. Though I prefer to have security over risk, therefore I want a pension fund upon which I could comfortably maintain myself on for at least 25 to 30 years. If the return from a secure pension fund is so low that I can't maintain the desired lifestyle, I would either remain in the work force or play the risky pension fund, but more probably the former.

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