The gap between assets and liabilities of pension funds amounted to US $ 376.6 billion in 2015 - on AMarkets materials.
In 2014, the gap was even larger. Interestingly, the enormous growth of quotations of the companies included in the S & P 500 index, which took place on the segment last 7 years, not much has helped pension funds to earn. S & P 500 rose more than 200% at the end of 2015, when compared with March 2009. However, the gap between assets and liabilities of pension funds proved to be 22% higher in 2015 than in 2008. The biggest difference "liabilities assets" is observed in the energy sector - companies in which equity investments are maximized when compared with other industries.
In any case - lower interest rates - destructive environment for pension funds and insurance companies. While the American economy operates ZIRP mode or NIRP, someone will regularly receive less pension.