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Connecticut Will Step Up Pension Payments to Save $5.8 Billion

Connecticut (STOCT1), which had its general- obligation bond rating cut last week, will raise its pension contributions to save $5.8 billion through the next two decades, Governor Dannel Malloy said.

The stepped-up payment rate is intended to avoid a one-time obligation estimated at $4.5 billion in fiscal 2032, Malloy said yesterday in a statement. The sum, about four times the state’s annual contribution in recent years, was projected based on continuing along that path.

“What we’re announcing today is basically like starting a 401(k) when you’re young, and getting some of the work done earlier,” said Malloy, a Democrat elected in 2010. He said the changes will boost the state’s annual payment by $125 million. Benjamin Barnes, secretary of the policy and management office, said by telephone that the change won’t increase workers’ costs.

In 2014, Malloy’s plan calls for an additional appropriation to bring the State Employee Retirement System up to the 80 percent funded level, generally regarded as a benchmark minimum, by 2025. The 56-year-old governor’s plan also calls for eliminating provisions of labor contracts that were used to cut the government’s payment by more than $105 million in fiscal 2011, according to a state report in October 2010.

Low Funding Ratio

Connecticut’s main pension fund, covering about 40,000 workers, has less than 48 percent of the assets needed to meet future obligations, according to the statement. The state had the second-widest gap between assets and liabilities, based on 2010 information, trailing only Illinois, according to data compiled by Bloomberg in October. The ranking put Connecticut at about 53 percent funded, with Illinois at 45 percent. The average level was about 74 percent.

Moody’s Investors Service cut Connecticut’s general- obligation bond rating to Aa3 from Aa2 on Jan. 20, citing debt costs and retirement benefits that are consuming a rising share of the budget. The reduction to the company’s fourth-highest grade affected about $14.6 billion in debt, Moody’s said.

Malloy, who raised income taxes the most in state history last year, said last week that receipts haven’t met estimates, leading to a projected shortfall of $94.9 million for the current fiscal year and $139 million in 2013.

To contact the reporter on this story: Esmé E. Deprez in New York at edeprez@bloomberg.net.

To contact the editor responsible for this story: Mark Tannenbaum at mtannen@bloomberg.net.

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Type Today 1 Mo
30-Year Fixed 3.80% 3.82%
15-Year Fixed 3.09% 3.06%
5/1-Year ARM 2.65% 2.72%
3/1 Year ARM 2.64% 2.64%
1-Year ARM 3.54% 2.78%
30 Year Jumbo 4.38% 4.44%
15-Year Fixed Jumbo 3.61% 3.63%
5/1-Year ARM Jumbo 2.89% 2.90%

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Type Today 1 Mo
30000 USD 6.42% 6.41%
Home Equity Loan 7.01% 7.47%
HELOC 30000 USD 5.53% 5.45%
HELOC Loan 3.95% 3.63%
Credit Union HELOC 4.30% 4.35%
See today’s average savings rates across the country. Source: Bankrate.com
Type Today 1 Mo
5-Year 1.49% 1.49%
2-Year 0.90% 0.90%
6-Month 0.52% 0.52%
1-Month 0.11% 0.11%
5-Year Jumbo 1.49% 1.49%
2-Year Jumbo 0.87% 0.90%
1-Year Jumbo 0.72% 0.75%
6-Month Jumbo 0.48% 0.48%
1-Month Jumbo 0.11% 0.11%
See today’s average auto loan rates across the country. Source: Bankrate.com
Type Today 1 Mo
New 36 Month 3.09% 3.16%
New 48 Month 3.21% 3.28%
New 60 Month 3.32% 3.49%
Used 4.33% 4.38%
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Type Today 1 Mo
Standard Variable 14.10% 14.10%
Standard Fixed 14.43% 14.43%
Gold Variable 12.59% 12.59%
Gold Fixed 11.99% 11.99%
Platinum Variable 14.68% 14.74%
Platinum Fixed 13.72% 13.72%
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