Going For Broke: Reforming California’s Public Employee Pension Systems

Howard Bornstein, Stan Markuze, Cameron Percy, Lisha Wang and Moritz Zander, Stanford Institute for Economic Policy Research CalPERS, CalSTRS, and UCRS1 together administer the pensions of approximately 2.6 million Californians. Between June 2008 and June 2009, these three public pension funds lost a combined $109.7 billion in portfolio value (see Table 1). The ability of these three funds to meet their future obligations has significant implications for the fiscal health of the state and public employers, the effective underwriters of many public pensions. In this policy brief, we ask two questions: (1) what is the current funding shortfall of CalPERS, CalSTRS, and UCRS, and (2) what policies would prevent a similar shortfall in the future? … We conclude that California’s public pension liabilities are substantially understated. Given the consequences of pension underfunding, we believe every effort should be made in short order to implement policy changes to reverse the current shortfall and to prevent a similar shortfall in the future. Specifically, improved long-term funding outcomes can be influenced through higher contributions, investment in less risky assets, and lower benefit levels…