If an employee doesn't make the right large contributions into the right investment mix at the right time, they are at high risk for poverty during retirement. This risk continues to spread as the job of planning and managing retirement savings continues to be transferred to workers who have to learn in their spare time to do what professional money managers are trained and paid to do full-time.



...but if the alternative is return to employer funded <defined benefit>--
ain't gonna happen



..now wondering how those pensions are *acutally* paid for