I wouldn't put much confidence in such studies. Right after a major dip in the economy, you can come up with stats to support almost any position. The people who talk down 401k's and IRAs would like for you to pay a professional to manage your money.People who expect to retire one day will have to depend on Social Security, pensions, or one form or another of their own savings or assets. We all hope that in spite of all the hard times at least some companies and some industries do OK. The game is to find those opportunities and pursue them.Many of those who fail to save and invest will not be able to retire.
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