1) What is "negligible interest"
The interest paid to her account has averaged 0.8% per year. Interest rate are "competitive" based on "current markets", but otherwise undefined.
The AA of the fund is 96% equities, 3% commodities, 1% hedge fund. They report 2.4% returns "Gross of fees" for the past 5 years (unclear if it's nominal or geometric). Fees are not disclosed and thus real returns are unclear.
2) How well funded is the pension plan
That is a great question and something my Google-fu could not answer. I really have no idea. Do you have a good way of checking?
3) If she chooses to leave funds where they are, can she roll them to an IRA at a time of her choosing in the future?
Yes, they will continue to earn interest until we withdraw the funds, she dies, she turns 70.5, or we roll them over.
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