Fixing the 401(k) - Fixing the 401(k) - Does Better Fiduciary Process Lead to Better Performance?

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Sep092009

Does Better Fiduciary Process Lead to Better Performance?

Wednesday, September 9, 2009 at 7:40AM

Here's an interesting post titled "Does Adherance to the Practices Really Make a Difference?" from the Fi360 Blog. One of the mantra's of the Fixing the 401(k) Approach is that "better process leads to better decision-making which, over time, increases the probability of better outcomes."

Rich Lynch, COO of Fi360, essentially makes the same argument and backs it up with some interesting data points from a recent study conducted by the U.S. Government Accountability Office (GAO) which is an independent, nonpartisan agency that works for Congress.

In a previous post, I wrote about the fiduciary duty to uncover conflicts of interest when hiring a retirement plan advisor. In it, I referenced an SEC study from 2005 that raised issues regarding the independence of the advice provided by pension consultants.

The GAO study Rich references is entitled, "Private Pensions - Conflicts of Interest Can Affect Defined Benefit and Defined Contribution Plans" and is a follow-up to the SEC study that was published in March 2009. The GAO analyzed the lack of disclosure regarding conflicts of interest and the impact on returns of defined-benefit (DB) plans from 2000-2004.

The GAO conducted an "analysis of available data on pension consultants and plans revealed a statistical association between inadequate disclosure and lower investment returns for ongoing plans, suggesting the possible adverse financial effect of such nondisclosure." The study detected statistically significant lower annual rates of return of 1.2 to 1.3 percentage points from 2000 to 2004 when consultants did not adequately disclose conflicts of interest. The GAO is careful to make the point "that this finding should not be considered as proof of causality between conflicts and lower rates of return, although it suggests the importance of detecting the presence of conflicts among pension plan consultants."

Rich cited Practice 1.4 of Fi360's Prudent Practices for Investment Advisors handbook which says "Fiduciaries and parties in interest are not involved in self-dealing" as evidence that there is the strong possibility of the link of better fiduciary process leading to better performance.

You can read the GAO's executive summary and download the full report, here.

Best Practices,

Conflicts Of Interest,

Disclosure & Transparency,

Fiduciary Duty

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Nike shoe has a space for continued growth

As the world's largest sporting goods market participants, Nike fiscal year 2012 revenue is expected to exceed $ 23 billion. With the convening of the

Olympics next year and as many as 600 million Chinese consumers in the next 5-10 years in succession into the ranks of the middle class, we believe that Nike

shoe has a growing space.
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Nike (Nike) last week announced the first quarter of fiscal year 2012 than-expected earnings, Morningstar Inc. (Morningstar) that, as held in the

Olympic Games next year and China's expanding middle class, Nike has continued room for growth; Company the acquisition of Converse, Umbro and other brands

of untapped potential; company's free cash flow sufficient enough to fully support the internal growth and external acquisitions, and a stable dividends and

share repurchases. Morningstar think Nike's $ 87 per share fair value, $ 60.90 is recommended to buy, sell $ 117.50 is recommended. September 23, Nike stock

closed at $ 88.64.
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We believe that economic growth in emerging markets and the expansion of global sourcing and distribution company's competitive advantage will unbreakable.

Nike Converse (Converse), Umbro (Umbro), Hurley and a number of brand acquisitions, and their brands in new markets and growth potential profile. Use of the

company considerable marketing, procurement and logistics resources, Nike acquired the brand in the market over the next five to seven years to double. We

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Investment Highlights

Investment and new products directly to consumers (Direct to Consumer, DTC) channel model should be able to drive revenue growth and profitability

expansion. Although Nike is the recent increase in input costs, a negative factor, but we think the company still in the recovery cycle to improve

performance.

If management's proposed fiscal year 2015 revenues of U.S. $ 30 billion and earnings per share up to 15% annual growth rate of the target can be achieved, we

may expect will prove to be conservative.

We expect the next few years, Nike will create an annual average of nearly $ 2 billion in free cash flow, enough to fully support the company's internal

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