>> The shift from pension plans, which typically guarantee income for life, to tax-deferred 401(k)s has put more responsibility on savers to ensure they don’t run out of money in retirement. <<So the shift from pensions (many of which are poorly funded) to 401Ks (which by definition are 100% funded) is bad. Nevermind that the government will probably step in to shore up failing pensions, especially union ones. Why doesn't this make any sense?arrete
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