Can a Pension Plan Conversion Leave Your Retirement Plan Intact? | |

Spring 2012

The company?s defined benefit plan has been the cornerstone of your retirement plan and a big part of your overall compensation. Lately you have been hearing that the company will be closing down the defined benefit plan and switching to a defined contribution plan. What will this mean for you and your retirement?

If this is happening to you, you certainly aren?t alone. According to Statistics Canada, the number of people who are members of both defined benefit and defined contribution plans, often as a result of this type of conversion, has grown from 40,000 in 2006 to 392,000 by 2010, an 880% increase. Companies are making the change to contain costs and limit their future liability.

Less risk for the employer, more risk for you

A defined benefit plan pays a guaranteed income amount, usually based on years of service and final income, regardless of how the plan?s underlying investments perform, leaving employers on the hook for making up any funding shortfall. In a period of low interest rates, uneven equity returns and greater longevity, funding shortfalls are increasingly common. Under a defined contribution plan the retirement benefit is based on contributions, typically made by the employee with some level of contribution matching from the employer, and investment growth. So by making the switch to a defined contribution plan, all of the risk and more of the cost of a pension plan are shifted from the employer to the employee.

Time for financial re-planning

According to Warren Baldwin, Regional Vice-President at T.E. Wealth, if your company is making the switch, the impact on your retirement plan will depend on how close you are to retirement and the details of the conversion. As Warren explains, ?If you are early in your career and have your best earning years ahead of you, you can adapt to this type of change. But if you are closer to retirement, you may have to alter your plans. Either way, this is the time to crunch the numbers and do what I like to call ?financial re-planning?.?

The terms of the conversion itself will figure into any financial re-planning, so it is important to understand what is being offered. Will your defined benefit plan benefits be frozen, with future contributions going to the new defined contribution plan? Or are the accrued benefits under the defined benefit plan to be transferred to your account balance under the defined contribution plan? Whatever the terms of the conversion, pension legislation requires it be clearly communicated to plan members in advance, providing the opportunity to assess the implications.

?The first step is to conduct a retirement income gap analysis. We compare the income you will need in retirement with what you can expect to receive from all sources. If there is a gap or shortfall, we need to look for ways to address it, either with more savings now or less lifestyle later,? says Warren.

Invest to replace future income

A major concern when changing to a defined contribution plan is how to invest contributions to replace the future guaranteed income stream that was to be provided under the defined benefit plan. As Robert Broad, Vice President and Investment Counsellor with T.E. Investment Counsel, explains, ?You now have to determine how to build the assets, through the defined contribution plan, your RRSP and other savings, that will sustain you in retirement under set assumptions about inflation, lifespan and rate of return.? He says that this means investing like a pension plan ? understanding your time horizon, setting an appropriate asset mix for the long term and regularly rebalancing your portfolio regardless of whether markets are up or down. If you have other investments ? for example, RRSPs and taxable investment accounts, you will want to make sure your overall asset mix is in sync with your needs. Without the guarantees of a defined benefit plan to count on you may need to take on less risk with your investments.

Keep up with your contributions

Warren cautions that when you make the switch to a defined contribution plan, make sure your take-home pay doesn?t go up. ?With a defined benefit plan, your contributions were mandatory. That?s not always the case under a defined contribution plan. If you aren?t making the maximum allowable contribution, you may see your pay deposit increase today at the expense of how much you will have at retirement. What?s more, if your employer matches all or some of your contributions, you?ll be missing out on what is essentially free money.?

According to Robert, contributing to a defined contribution plan is almost always a good deal. Investment management fees are generally lower for pension plans and the employer-matching formula is a form of compensation that you won?t want to miss. ?To get the most out of these plans, make the maximum contribution to fully benefit from any matching by your employer and make sure you invest contributions in keeping with your goals and expectations,? explains Robert.

Understand your options and get objective advice

Often with a defined contribution plan you will only get information about your investment options and not personalized investment advice. If you are offered advice through your employer, make sure it is unbiased and not tied to commissions. Always get a second opinion if you are being encouraged to transfer money out of the plan. Better still, if you have a financial advisor, make a point of discussing your investment options and how this new plan can work with your overall financial plan.

?How T.E. Wealth can help

• Review the terms of conversion and assess the implications.
• Do a retirement income analysis to determine the impact of the change.
• Conduct a ?financial re-planning? to revise your overall financial plan.
• Review your investment policy and target asset mix in keeping with your new reality.
• Adjust your portfolio, if necessary, to account for the change to a defined contribution plan.

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Amid criticism, nuclear chief Jaczko resigns

WASHINGTON (Reuters) - Gregory Jaczko, chairman of the U.S. Nuclear Regulatory Commission, said on Monday that he would resign, following a year of intense criticism over his abrasive management style.

A series of reports and congressional hearings have painted Jaczko as a bully who had reduced some senior female employees to tears - accusations that have overshadowed new rules he championed in the wake of the 2011 earthquake and tsunami that devastated Japan's Fukushima Daiichi nuclear complex.

Jaczko, 41, has consistently dismissed and denied the reports. He said announcing his decision to step down more than a year before his term expired was "not at all" related to the accusations but rather publicly signals his intention not to pursue a second term as chairman.

"I just wanted to provide the best opportunity for a successor to be brought on board and to give the president and the Senate maximum opportunity to do that," Jaczko told Reuters, noting he will stay in his job until his replacement is confirmed by the Senate.

The White House plans to nominate a new chairman soon, a spokesman said.

Jaczko said the negative headlines have not taken a toll on him or his family. "I've learned to separate and not take personally the kinds of things that people have said," he said.

"It's rare in life to have the opportunities I've had as chairman and I relish every moment of it. If that means being in the middle of some difficult issues with Congress, then that's just part of the job and something I will continue to deal with," he said.

ACCUSATIONS OVERSHADOW CHANGES

Having cast himself as a reformer at an agency where change typically happens at a glacial pace, Jaczko was long an irritant for the nuclear power industry, which fears the new regulations could drive up costs at the same time that cheap natural gas heightens competition.

The head of the Nuclear Energy Institute, a lobby group, acknowledged in a statement that the industry had differences with Jaczko but wished him well and urged the White House to name a new chairman quickly.

Republicans, with an eye to elections in November, were quick to cheer the departure of Jaczko, a Democrat, and also want a replacement soon.

"The only thing surprising about his resignation is the fact that the Obama administration has remained silent for more than a year after allegations of Jaczko's offensive behavior surfaced," said Mitch McConnell, Republican leader in the U.S. Senate.

The selection of a replacement could happen in tandem with the reconfirmation of a Republican commissioner, Kristine Svinicki, whose term expires next month.

Jaczko's replacement likely will be someone more open to "consensus building," said Ed Batts, a partner at law firm DLA Piper.

"It would seem likely that his successor ... will be from a more conventional background, either a technocrat or academic, and perhaps less of a dynamic personality," Batts said.

"DECENT GUY BUT HE WAS TOO DIRECT"

Jaczko got his start in Washington as a young, socially conscious physicist helping his then-boss Harry Reid, now Senate majority leader, block a plan to store radioactive waste under Nevada's Yucca Mountain.

Jaczko, a Democrat, had served at the NRC for almost eight years, and was appointed to the chairman role by President Barack Obama.

"He was a decent guy but he was too direct," said Najmedin Meshkati, an engineering professor at the University of Southern California. "To run the NRC he needed to be much more diplomatic, much more circumspect."

The resignation comes as the nuclear agency overhauls safety rules for the nation's 104 nuclear plants, owned by companies such as Exelon and Entergy Corp.

It also recently approved licenses for the first new U.S. plants in more than 30 years, owned by Southern Co and Scana Corp.

Jaczko cast the lone dissenting vote against the new licenses, drawing ire from the industry and Republicans.

UNCOMFORTABLE HEARINGS ON THE HILL

The four other commissioners at the NRC - two Democrats and two Republicans - took the unprecedented step last year of complaining to the White House about Jaczko.

Uncomfortable congressional hearings followed with the commissioners detailing their concerns and Republicans grilling Jaczko.

At the time, Bill Daley, then White House chief of staff, expressed his support for Jaczko and urged the commissioners to get along, perhaps with help from a mediator.

But the rancor did not fade. Republicans helped revive the story when the White House was slow to renominate Svinicki this spring. House Republicans had a hearing planned for next week expected to focus on Jaczko's tactics.

The inner turmoil at the NRC first attracted public scrutiny a year ago when the agency's inspector general, an internal watchdog, released a report that described Jaczko as someone who often lost his temper and used threats and intimidation to try to get his way.

The NRC's inspector general is expected to release a follow-up report about Jaczko's leadership style soon, although the timing and content of the report is not clear.

Jaczko told Reuters he had not seen the report and said he would not see it until it is final.

Jaczko's defenders said the accusations have been amplified by opponents to distract the agency from its reforms.

"These attempts to make a slender, balding particle physicist appear to be careening about the NRC like Mike Tyson with Evander Holyfield's ear in his teeth were always complete nonsense," said Peter Bradford, an adjunct professor at Vermont Law School and a former NRC commissioner.

(Additional reporting by Jeff Mason and Timothy Gardner in Washington and Scott DiSavino in New York; Editing by Dale Hudson and Bill Trott)

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Are Young People Really Turning to Alternative Financial Products ...

According to a recent survey, Millenials have a tendency toward alternative financial services regardless of their income level. Young people earning less than $25,000 a year use check-cashing services as frequently as those who earn $50,000-$75,00, according to the survey, which, it warrants mentioning, was conducted by a provider of web-based alternative financial tools, Think Finance.

Think Finance, in a survey of just 640 people aged 18-34, all of whom have used an alternative financial product in the past year, found some similarities across income levels. Of course, it?s important to point out, they surveyed no one who made more than $75,000.

What the survey found is that prepaid debit cards, check-cashing services, rent-to-own stores, and pawn shops are used by Millenials in roughly equal proportion, no matter what their income level. A full 51 percent of respondents said they used prepaid debit cards in the last year, in both the under $25,000 group and in the $50,000-$74,999 group. A different survey, by the National Foundation for Consumer Credit Counseling, estimated that 13 percent of Americans use prepaid debit cards regularly. Think Finance could not be reached for comment on its methodology.

?Stereotypes that paint users of alternative financial products as poor and uninformed are simply not accurate,? said Ken Rees, CEO of Think Finance, in prepared remarks. Think Finance?s study, he said, demonstrates that young people of all income levels ?have a need for the convenience, utility and flexibility that alternative financial services provide.? He later extolls the virtues of emergency cash products, which according to Think Finance?s survey, are actually used more frequently by those in the higher income bracket (22 percent) than those in the sub-$25,000 bracket (15 percent).

Not coincidentally, perhaps, Think Finance offers payday loans in a number of states through a product called PayDayOne. In Texas, for example, PayDayOne?s $1,200 14-day payday loan comes with $298 in fees and interest ? an effective APR of 648.74%. To its credit, PayDayOne is very straightforward about the fees and interest it charges on these short-term loans: all this information is available in clear fashion on its website.

Another product Think Finance offers, called Presta, is a rent-to-own service for high tech products. After 12 months of renting a good, you own it outright. You can own an iPad 2 16GB for just $17 a week. That sounds attractive unless you consider that Apple?s price for the product is $399 ? about 23 weeks? payments. At the end of 52 weeks using Presta, you?ll have paid $884 for a product that costs less than half that: an effective APR of more than 100%. To be clear, however, Presta charges no interest, just a weekly rental rate that effectively finances the purchase of products at exorbitant rates. Young people would need to search high and low for a credit card that charges so much. That said, for a short-term rental, the service seems fair: it?s risky to lend out iPads, as anyone with an iPad knows.

More to the point, however, is this: alternative financial products, no matter how transparent the web can make them, still cost more money than traditional ones. No bank will issue a credit card with a 100% APR; no bank would issue short term loans with a 650% APR. This is not the sort of business that attracts repeat customers unless they simply have no other choices. Think Finance bills itself as more convenient and transparent than its predecessors, which is certainly true, but it does not help young people grow their wealth. For that, only saving and investing will do.

Alternative financial products have gained ground in recent years, most notably reloadable prepaid debit cards. Once known for its steep fees, better established card issuers like Chase and American Express have stepped into the prepaid market, providing lower-cost options to consumers who either can?t afford a checking account or prefer the control a prepaid card offers.

But this shift in the industry has been slow, about as slow as federal regulators. Turns out, the CFPB will be holding a hearing on May 23 in Durham, N.C., on the topic of prepaid cards, reports Bank Credit News, which means that the industry might face increased scrutiny from regulators. Sounds like it might be too little too late, but that wouldn?t be anything new from federal regulators.

Education, in this regard, is more important than regulation. That USA Today reported Think Finance?s survey without even taking a look at its methodology or questioning its ability to be impartial about a study like this speaks to the problem at play here. People assume that young people, with their smartphones and jaded attitudes, are simply too cool and fast-moving for traditional banking products. We?ll never save a dime if people keep telling us this is the case.

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Global Business Travel Association Predicts China's Business ...

Released on May 21st, 2012

BEIJING, May 21, 2012 /PRNewswire-Asia/ ? The Global Business Travel Association (?GBTA?), the world?s premier business travel and corporate meetings organization, announces the results of its inaugural GBTA BTI(TM) Outlook ? China, sponsored by Visa Inc. The GBTA BTI(TM) Outlook ? China includes the GBTA Business Travel Index(TM) (GBTA BTI(TM)). The GBTA BTI(TM) provides a way to distill market performance and the outlook for business travel into a single metric that can be tracked over time.

Highlights

??? Business travel spending in China is forecast to increase by 17 percent in 2012 and 21 percent in 2013, to US$202 billion and US$245 billion respectively

??? Growth in international outbound travel spending is expected to be particularly strong, rising by 27 percent in 2013

??? The Chinese investment in infrastructure is vital as they must have the infrastructure in place to keep up with the explosion in demand. As such, in the past 10 years, the four largest airports have doubled in size and there are plans in place for over 100 new hotels in the next decade:

o?? Over the past ten years, China?s four largest airports (Beijing / Shanghai-Pudong / Shanghai-Hongqiao and Guangzhou) have doubled in size

o?? Plans are in place for approximately 100 new airports in the next ten years

??? Key contributors to China?s surge in business travel expansion is in step with increasing manufacturing output, trade growth, job gains, business formations and infrastructure investment

??? Business travel has evolved into a key contributor and benefactor of the Chinese economic growth showing strong correlations with economic indicators like GDP growth, retail sales, job growth, exports, profits and sales.

??? China is currently ranked second in the business travel market according to the GBTA findings, but is forecast to surpass the US by as early as 2015

??? Real GDP in China is forecast to increase by 8.2 percent and 8.9 percent in 2012 and 2013 respectively

??? GBTA BTI(TM) will reach 340 by the end of 2012 and 475 by the end of 2013. This represents an increase of almost 41 percent in just two years? time.

Michael W. McCormick, Executive Director and COO of GBTA, commented:

?With China on a robust upward trajectory in business travel spending, they are quickly becoming a world leader in the business travel market. For this reason, we believe it is a most opportune time to have undertaken our first Business Travel Outlook for the country. China?s phenomenal economic growth over the last decade has been mirrored in business travel which is now a key contributor to, and benefactor from, the country?s expansion.

We forecast significant increases in business travel by Chinese citizens over the next two years with at least two-thirds of the growth being real increases in trips and spending as opposed to rising travel prices. This should also be accompanied by GDP growth rates of 8-9 percent a year.?

Over the past decade, China has experienced rapid economic growth which has been reflected in China?s dramatic increase in business travel spending according to the research. Between 2000 and 2011, business travel spending averaged over 16 percent a year as a component of overall travel spend and was largely driven by both meetings, incentives, conferences and exhibition business trips alongside a rise in the amount of real spend-per-trip. The rise of business travel spending is also a reflection of increases in both domestic travel and international expenditure.

Welf J. Ebeling, Regional Director, GBTA Asia remarked:

?Business travel drives the economy and China is no exception. From this report we can see just how explosive this growth is going to be over the next few years. The Chinese recognize how important business travel is and the investments that are being made in vital infrastructure expansion demonstrate that.?

Over the next ten years, GBTA?s report forecasts that China?s business travel spending will reflect the slow restart of the global economy with both domestic business travel spending and international outbound travel spending showing strong percentage increases. Later in the forecast horizon, international outbound travel spending by Chinese business travelers is expected to increase even more in percentage terms and reach 27 percent in 2013. Domestically, business travel spending is expected to reach US$233 billion by 2013.

This expenditure correlates strongly with several domestic economic indicators including retail sales, job growth, construction activity, profit margins, GDP and exports.

As well as business travel spending being stimulated by a recovery in world economic growth, China?s success in removing supply side bottlenecks will contribute to forecast growth rates. The country?s four largest airports Beijing, Shanghai-Pudong, Shanghai-Hongqiao and Guangzhou have doubled in size over the last ten years and even second and third tier airports have doubled or tripled their capacity. Plans are also in place for 100 new airports to be built over the next decade, adding further capacity.

In terms of economic growth, a retreat from top-down central planning and the embracing of market-based reforms and targeted investment initiatives has enabled China to become a central player in the global economy.

There has recently been a shift towards policies that promote domestic consumption, reducing China?s exposure to the external environment. The Chinese economy has been relatively resilient in the wake of the global economic crisis, and it is expected that China will continue to experience large growth rates. The GBTA BTI report forecasts that China?s GDP will continue to rise in 2012 to 8.2 percent and rise to 8.9 percent in 2013.

For China there is currently only one significant weakness that could potentially dampen the growth of business travel, namely the European sovereign debt crisis. With about 50 percent of Chinese exports going to Europe and the US, the European slowdown was immediately felt. It is, however, expected that the economy?s diversification away from exports will reduce this exposure in the future.

In addition, the GBTA BTI (TM) Outlook ? China includes the GBTA Business Travel Index(TM) (GBTA BTI(TM)). The GBTA BTI(TM) provides a way to distill market performance and the outlook for business travel into a single metric that can be tracked over time. It is derived from total business travel spending. An index base year of 2005 was chosen for consistency with GBTA BTI(TM) in other countries. Specifically, the GBTA BTI(TM) in China is set equal to 100 in the second quarter of 2005.

The fourth quarter of 2011 saw the GBTA BTI(TM) in China come in at 337. The impact of the recession of 2008-2009 was short lived for the Chinese economy and business travel sector. In fact, by the second quarter of 2009, the index had reached 242 or 2.4 times its level only four years earlier. Since the end of the recession, the index has added over 82 points in eight quarters ? an increase of over 32 percent, driven primarily by domestic business travel expansion.

GBTA BTI(TM) in China is poised to return to its pre-2009 explosive growth in 2012 and 2013. Domestic and international outbound travel spend will work together to expand the index by an additional 135 points by the end of 2013, reaching a new high of 475 ? an increase of nearly 41 percent in just two years.

Key Metrics

Country???? 2011 Total Business Travel Spending ($USD)
1 United States?? $250B
2 China?????? $182B
3 Japan?????? $65B
4 United Kingdom??$38B
5 Germany???? $35B
6 France??????$34B
7 Italy?????? $33B
8 South Korea?? $30B
9 Brazil??????$28B
10 Canada???? $22B

Further information

Pelham Bell Pottinger Victoria Geoghegan / Harriet Blackburn / Corinna Hoyer +44 207 861 3232

About the GBTA BTI (TM) Outlook ? China

The GBTA BTI (TM) Outlook ? China projects aggregate business travel trends over the next eight quarters. The report tracks business travel spending in total and by domestic and outbound segments. It relates unfolding economic events at home and abroad to their resulting impacts on China?s business travel market. GBTA BTI (TM) ? China 2012 is the inaugural report in the semiannual series.

The GBTA BTI (TM) Outlook uses an econometric model to better inform the forecast process. The model explicitly relates measures of business travel spending, uniquely sourced from other GBTA Foundation research, to key economic and market drivers of Chinese business travel including: Gross Domestic Product (GDP) and its components; employment and unemployment; measures of business and consumer confidence; international trade, foreign direct investment and exchange rates; commodity and oil prices; inflation measures; productivity rates for business travel; International Air Transport Association (IATA) Passenger and Revenue Performance and Smith Travel Research (STR) Global Hotel Performance.

The GBTA BTI (TM) Outlook ? China is free of charge to all GBTA Members by clicking here( http://hub.gbta.org/resources2/list?order=DESC&sortby=resource_date_desc&category=&keyword=&type=file ). Non-members may purchase the report through the GBTA Foundation by emailing pyachnes@gbtafoundation.org( mailto:pyachnes@gbtafoundation.org )

About the GBTA Foundation

The GBTA Foundation is the education and research foundation of the Global Business Travel Association (GBTA), the world?s premier business travel and corporate meetings organization.

Collectively, GBTA?s 5,000-plus members manage over $340 billion of global business travel and meetings expenditures annually. GBTA provides its network of 17,000 business and government travel and meetings managers, as well as travel service providers, with networking events, news, education & professional development, research, and advocacy. The foundation was established in 1997 to support GBTA?s members and the industry as a whole. As the leading education and research foundation in the business travel industry, the GBTA Foundation seeks to fund initiatives to advance the business travel profession. The GBTA Foundation is a 501(c)(3) nonprofit organization. For more information, see gbta.org( https://mail.sloanepr.com/owa/redir.aspx?C=c195184739b84cf9aedc8972f8aa6827&URL=http%3a%2f%2fwww.gbta.org ) and gbtafoundation.org.

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Hemorrhoid distress instructions A few Basic Home made remedies ...

To be able to realise why these kind of basic home remedies might help, we need to look 1st with the achievable causes of the hemorrhoids.

Some of the known instrumental variables usually are maternity, tensing any time container the bowels, morbid obesity, persistent obstruction. Incongruously, regular diarrhea is also able to lead.

Hemorrhoids is usually possibly interior or external and so are most frequent in people above forty five as well as expectant mothers. It?s explained through half of the population over the age of 80 offers all of them.

Get back introduction, why don?t at this point go through the very simple do-it-yourself solutions. While they may not be an alternative choice to a correct health assistance, these are operating out of common sense and therefore are probably will bringing reduction.

1 . Have more dietary fiber in your diet.

This could be accomplished by eating more berry, could be oats, oat grain, whole grains along with other meals full of soluble fiber.

2 . Find typical.

Staying away from congestion by simply normal appointments for the potty is usually a huge help. But not only can it guide minimize the actual discomfort related to hemorrhoids, but it will likely put much less stress about the afflicted parts, enabling the system fixed many of the deterioration.

One method to coach your entire body for you to unfilled the actual bowels routinely should be to take a seat on stained seating around the same amount of time daily. Come up with a practice of computer plus your body follows.

Trying to keep your barstools reduce and also keeping away from costiveness goes a long way in the direction of a long term rest from hemroids. It will possibly be much healthier for yourself to get additional reasons, over and above typically the hemorrhoidal pain.

three. Lose fat.

Morbid obesity is said to be an additional factor, and it?s really not just as a result of pounds. Over weight men and women will be more constipated likewise. Anyways, losing weight should have various other benefits to improve your health.

four. Beverage an abundance of simply waters.

Water has its own rewards. Amongst other things it may help to scrub the actual toxic compounds from your system in addition to it may well aid to bare the particular feces routinely.

Drink a good amount of basic, clean up normal water. Likewise, get into a practice associated with drinking no less than one wine glass of waters about unfilled stomach.

your five. Select typical taking walks.

This will not just help you lose weight over time, but actually will furthermore allow you to become more frequent from the potty.

In the event you abide by these types of five common-sense suggestions, you need to knowledge at the least many alleviation. And it will also generally be therapeutic for your present health.
. Acquire regular.

Avoiding constipation by typical visits on the toilet generally is a big help. Not only will it help relieve the discomfort associated with hemorrhoid flare-ups, but it really will put fewer strain for the affected regions, allowing the system to repair some of the deterioration.

One method to exercise your body to be able to empty the bowels regularly is to lie on the bathroom . seat around the same amount of time every day. Produce a habit of it and your body will observe.

Trying to keep your stools loose and avoiding obstipation will go further towards a good relief from hemorrhoid distress. It will as well become healthier for you for other reasons, further than the hemorrhoidal pain.

. Slim down.

Unhealthy weight is said to be an additional component, and it?s really besides on account of weight. Obese folks are definitely constipated likewise. However, weight loss could have several benefits for your health.

. Beverage plenty of simply normal water.

H2o has many benefits. Amongst other activities it can help to wash the toxic compounds out of your body as well as it may well help empty often the bowels frequently.

Consume plenty of simple, clean drinking water. Likewise, try to get to a habit regarding drinking a minumum of one cup of water about empty belly.

. Choose regular taking walks.

This may not only help you lose weight ultimately, but will also assist you become more and more regular within the toilet.

In case you follow these five common-sense tips, you must experience at least some alleviation. And it will be necessary for your total health and fitness.

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Aussie Briscoe edges Hinchcliffe for Indy pole

Australian Ryan Briscoe won the pole position for the 96th Indianapolis 500, edging Canada's James Hinchcliffe in qualifying session for the May 27 oval IndyCar classic.

Briscoe on Saturday turned in a four-lap qualifying speed average of 226.484 mph around the famed 2 1/2-mile (4km) Indianapolis Motor Speedway, then watched from his car as Hinchcliffe and American Ryan Hunter-Reay tried in vain to overtake him.

"This is huge," Briscoe said. "Man I'm happy. This is unbelievable. Those four laps were so consistent. Whew. Getting the pole at Indy, it feels good to get my first one here."

Briscoe will start on the inside of the front row with Hinchcliffe, who was second-best by an eyelash at 226.481 mph, alongside him and Hunter-Reay on the outside after a run of 226.240 mph.

A total of 24 spots in the 33-car field for the race were available in Saturday's time trials session, with the final three rows of three cars to be filled in Sunday's last day of qualifying.

The top six cars and nine of the top 10 were Chevrolet powered, US rookie Josef Newgarden's Honda the only other motor to crack the first three rows.

The nine fastest drivers from the open qualifying period, where spots 10-24 in the field were determined, were given the last 90 minutes to decide the pole and Briscoe made a fast run early to make himself the man to beat on a hot day.

"We've just been working on the consistency," Broscoe said. "We knew in this heat that was going to be the key, to not have a dropoff from lap one to lap four."

Hinchcliffe made a run at the pole and had superior speed until the final two turns of his last lap, when his average dipped just below Briscoe's car.

"Those four laps of Hinch-Town's, I was really shaking," Briscoe said. "When I found out he didn't knock us off the pole, it was a great feeling. I feel bad for him. But I'm really proud. This is a big one to win."

Hunter-Reay made a run to take third and Hinchcliffe tried again but came away slower as Briscoe secured his spot.

"Race day is what matters," Hunter-Reay said. "I think it's going to be one of the most exciting races we have had in a long time."

American Marco Andretti, Australian season series points leader Will Power and Brazil's Helio Castroneves, a three-time Indy 500 winner, will start in the second row. Newgarden, Brazil's Tony Kanaan and Venezuela's E.J. Viso are in row three.

Kanaan was forced to make a second run in the open qualifying session after his car failed a technical inspection for failing to have a weight device in his rear-view mirror, making his car slightly lighter than his rivals.

"It was hard enough to do the first four (laps). The second four, it was really tough," Kanaan said. "It's a very stressful day.

"I'm all for the rules but something like that that doesn't make your car go any quicker."

Formula One veteran but Indy 500 newcomer Rubens Barrichello of Brazil will start on the inside of row four after qualifying 10th.

"Even though I have 19 years of experience, it just brings a lot of emotion," he said. "There's a lot of adrenaline when you are waiting to sit down in the car and go."

Michel Jourdain Jnr, a 35-year-old Mexican who had not raced at Indy since finishing 13th in 1996, qualified 22nd overall at 222.893 mph.

US rookie Brian Clauson crashed in the first turn on a qualifying attempt and Spain's Oriol Servia lost control in the fourth turn and crashed at the entrance to the pit lane.

Neither driver was seriously injured. Both look to qualify Sunday.

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