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An  introduction to police and fire pensions
 What explains differences in public pension returns since 2001?
 Stability in overall pension plan funding masks a growing divide
 Maintaining target allocations
 Investment update
 Internal vs. external management for state and local pension plans
 How has the decline in assumed returns affected plan costs?
 Have localities shifted away from traditional defined benefit plans?
 Do all state and local workers receive an annuity in retirement?
 2021 update

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