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The Ohio Public Employees Retirement System expects an average 6.76 percent return over the next five to seven years, short of its 7.5 percent discount rate. But the fund anticipates returns will climb to 7.85 percent over a 30-year period. Los Angeles Fire and Police Pensions expects compound returns of 6.33 percent over the next decade, considerably ชุดเครื่องนอน below its 7.5 percent discount rate. The fund believes the compound return will rise over the long-term as interest rates move back up, said General Manager Ray Ciranna. PAST IS PROLOGUE Private-sector and public plans in Canada and Europe lowered their discount rates over the past two decades. But U.S. public pension funds maintained higher return expectations and put more of their money in risky assets to help achieve them, according to the Rockefeller Institute. As a result, the potential impact of investment shortfalls, relative to government tax revenue, is now more than three times as large as it was in 1995, and about 10 times as large in 1985, the Rockefeller Institute found. CalPERS hopes to avoid another calamity like the one it experienced during the 2008 recession, when its funding status dropped to 61 percent from 100 percent. Like the vast majority of U.S. public pensions, the $307 billion fund is now paying out more money to retirees than it is collecting from current workers and employers.

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"You give away your beds, your bedding, your cooking pots, all those things you give away and you go to the airport," recounted Ted Berg, the CEO of Catholic Charities. "And then suddenly you go back and all those things are not there. So, I don't know how you get over that." Last Friday, two dozen women from Bhutan, Congo, Somalia and Sudan gathered at Catholic Charities to try to get a grip on the uncertainty. Phuyal said there's a lot of that going around lately. "They are very much worried," Phuyal stated. "Anybody, we go to them, we visit the family. Most of them, they don't open the door. They think that we are there for some other reason." Many of the women who have resettled in the Cincinnati area have husbands, parents and siblings still in the refugee camps. Phuyal has been there. He was a teenager in his first few refugee camp years in Nepal.

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