Welcome Retirement Solutions Forum
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1 October 1, 2014 Welcome Retirement Solutions Forum Craig Lombardi Managing Director Total Retirement Client Group Sales
2 Retirement Savings Are Shifting to Globally 2013 Assets = $58 bil. 96% Canada 4% The Netherlands 2013 Assets = $68 bil. 95% 5% The US continues to be the largest market in terms of assets, followed, at significant distance, by Australia and the UK. Together they account for 88% of total assets. UK Japan 2013 Assets = $97 bil. 3% US 2013 Assets = $10,949 bil. 42% 2013 Assets = $914 bil. 28% 97% 58% 72% Australia 2013 Assets = $1,315 bil. 16% 84% As of December 31, 2013 Source: Global Pension Assets Study 2014, Towers Watson 1
3 Percent Saving for Retirement Has Become a Global Priority In response to recent economic turmoil, individuals and institutions have recognized the need for secure retirements and have been shifting from to Overall Pension Asset Growth Rates by Country Plan Market Share over the Same Period % 38% 53% 47% Australia Canada Japan The UK US World Netherlands 5-Year CAGR 10-Year CAGR Over the past 10 years, assets have grown at a rate of 8.8% annually, while assets have grown at 5% annually Broadly, the higher five year industry growth rates are indicative of the recent influx of capital to pension plans As of December 31, 2013 Source: Global Pension Assets Study 2014, Towers Watson 2
4 USD Billions Target-Date Strategies: The Key Growth Area in Plans Target-date strategies will capture 63% of contributions and will reach US$1.7 trillion in assets by , ,600 1,400 1,200 1, % 31.0% % 16.7% 41.8% % 47.2% % 52.6% 1, % 1, % 30.4% 1, % 35.0% Percent of 401(k) Assets or Flows E 2014E 2015E 2016E 2017E 2018E 0 Target-Date Assets (Left Scale) Percent of 401(k) Contributions to Target Date Percent of 401(k) Assets in Target Date Source: Cerulli Associates, Department of Labor, Investment Company Institute, Judy Diamond, PSCA and Vanguard, How America Saves,
5 Yet Most Participants Are Still Not Saving Enough Share of Plans by Average Contribution Rates Likely Required Levels 15% 10% 14% 1% 4% 6% 10% 4% 6% Source: Vanguard, How America Saves,
6 And Few See a Comfortable Retirement as a Reality Confidence is waning even further from the euphoria of 2012 Percent of Employees Who Are Confident/Very Confident Big concerns about retirement Social Security won t help as much as it has in the past Don t want to be dependent on anyone Are you confident you ll have a comfortable retirement? 41% 40% Not having enough money to live at the same level as today 27% 25% 29% 24% 26% 32% 27% 18% Historical analysis does not guarantee future results. Source: AllianceBernstein, 2011 Inside the Minds of Plan Participants. 1,000 Participants surveyed. 5
7 Evolution Is Necessary iphone G C Plus
8 What Will the Next Generation Target-Date Funds Look Like?? 7
9 Important Disclosure Information AllianceBernstein Investments, Inc. (ABI) is the distributor of the AllianceBernstein family of mutual funds. ABI is a member of FINRA and is an affiliate of AllianceBernstein L.P., the manager of the funds. AllianceBernstein and the AB logo are registered trademarks and service marks used by permission of the owner, AllianceBernstein L.P AllianceBernstein L.P
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