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However, there are major concerns about the future of the retirement program for the state’s teachers and government employees.

And there are profound implications for every taxpayer as well.

The vast majority of the board has no financial education, training or expertise.

It is composed primarily of current and retired sheriffs, teachers, municipal employees and firefighters.

Every major study on global growth, including those produced by the the Organization for Economic Cooperation and Development, Mc Kinsey and Price Waterhouse Coopers, predicts a significant decline in global economic growth over the next 30 years.

Financial returns cannot mirror history if economic growth does not mirror history.The world is experiencing profound demographic shifts that cannot be easily reversed.Developed nations are witnessing significantly lower birth rates, especially among highly educated populations who drive economic growth.Investors across the globe were binging on mortgage-backed securities whose credit ratings were based on historical default rate assumptions. Treasurer’s office had a consultant run a plethora of charts grounded in the past that almost no one on the pension board questioned or understood.Goldman had to be bailed out by Warren Buffett because none of my fellow Harvard MBAs who worked there recognized that if you make home loans to riskier borrowers, they are less likely to repay those loans; thus future default rates will not mimic historical rates. Which brings up another major issue -- governance of the pension fund.The longer we wait to address this reality, the worse the problem becomes. It is time our elected leaders and state employee union put politics aside and begin to deal with this economic reality before it becomes a crisis.

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