Thread regarding 3M layoffs

Expect (unpopular) changes to pension in 2023

A lot of companies grandfathered existing employees in their defined benefit pension programs when they forced new hires to go into defined contribution "pensions" (actually just enhanced 401k programs with no pension period). 3M did this in march 2008.

Now a lot of companies have stopped new contributions into pensions for grandfathered employees..they keep what they've earned but going forward just get enhanced 401k.

If you think you can outperform professional pension managers, good luck. This is usually a loss for those forced to move mid career to these new programs.

Happy new year at 3M and pass the lubricants. My boss frank Shirley just shared the news. Cousin Eddie says 3M HR is the gift that keeps on giving the whole year round :>)

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| 2561 views | | 5 replies (last January 2, 2023) | Reply
Post ID: @OP+1ktaJDVN

5 replies (most recent on top)

Lol your lucky you even have a pension

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Post ID: @1hvz+1ktaJDVN

Just checked, mine dropped about 15% (pension2), buddy on original dropped almost 50%. Why the discrepancy?

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Post ID: @sgm+1ktaJDVN

If 3M came to me and offered a lump sum payout today without being laid off, I would take it in a heartbeat. Remove my golden handcuffs and let me invest the money as I see fit. And I do think with the reduced lump sum I could see this happening, and it would be a good thing.

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Post ID: @zcy+1ktaJDVN

✅ LOSING ‼️

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Post ID: @iks+1ktaJDVN

Fact: 3M reserves the right to change or modify benefit programs for any reason at any time.

To me, this could mean how they payout. With higher interest rates, paying the lump sum and ceasing long term pension liability benefits 3M. Now that nov 2022 segment interest rates are published people are seeeing 6 figure reductios in lump sum. Also there is a misconception a monthly payout is safe. Not true. If a company goes bankrupt the pension goes to insurance company PBGC. PBGC guarantees the pension but not fully. The guarantee payout could be as low as 60%. You can decide 3Ms risk of bankruptcy...

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Post ID: @ewo+1ktaJDVN

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