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Special Report: U.S. Pension Funding: An Ongoing Juggling Act May 11

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Abstract
THE TIME UNTIL RETIREMENT IS RUNNING OUT, BUT THE SAVINGS FOR IT AREN'T ADDING UP, By David Wyss, New York Most Americans haven't saved anything for retirement, and the few who have usually haven't saved enough. Also, the 2008 recession and the declines in stock and home prices have devastated the funds they had put away. The good news is that the stock market recovery and higher contribution rates have brought retirement assets back to where they were at their peak in 2007. The bad news is that total assets remain down because home prices are 31% below their all-time high. U.S. STATES' PENSION FUNDED RATIOS DRIFT DOWNWARD Despite improved performance in the global equity markets that began around March...


Standard and Poors RatingsXpress Credit Research provides in-depth coverage of international corporates, financial institutions, insurance companies, utilities, sovereigns and structured finance programs. RatingsXpress Credit Research lets users determine the credit rating of holdings and identify key factors underlying an issuer's creditworthiness, distinguishes the different risk exposures for new and existing deals, and provides an understanding of how their analysts interpret key regulatory, political and environmental events and their economic impact.

Research Type: Commentary
Criteria articles describe the thought process and methodology Standard & Poor's analysts use in determining ratings. These commentary pieces discuss both the quantitative (economic and financial) and qualitative (business analysis and caliber of management) aspects of the analysis, as well as legal issues.
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