Fall/Winter 2009 Point of View Online Survey

Wealth accumulation has been the focus of defined contribution (DC) plan sponsors and participants worldwide. But as more people reach retirement age, it's time to put more emphasis on asset distribution and retirement income.

Do you believe your DC plan is adequately structured to address the "decumulation of wealth" by plan participants, i.e.; providing employee distribution strategies that address the need for retirement income?

YesNo

Do you plan to implement a decumulation strategy?

If you answered no, please explain.

If you plan to implement a decumulation strategy, do you expect it to incorporate annuities?

	Yes, within the plan		No, but I would if there were a Dept. of Labor safe harbor in place
	Yes, as rollover options outside the plan		No

If you answered no, please explain.

Please indicate the number of participants in your plan.

	0 - 1,000
	1,000 - 2,500
	2,500 - 5,000
	Over 5,000

	Yes, likely in 2010
	No, have a decumulation strategy already
	Yes, likely after 2010
	No
	Unsure - need more information/education