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As I've spent some time trying to understand these types of pensions, I'm coming to wholeheartedly agree with your point of view. I like the "control factor" the portability aspect can afford me - unfortunatly, you're 'forced' to leave your employer to exploit it (which may play into the employer's hands.....).

In my wife's particular situation - and anyone else who's been with an employer for a decent amount of time - I just don't know if what she's being shown as her "cash balance" is a "fair" amount.

Given the level of debate that appears to exist about the ethical nature of implementing these types of plans, I'm surprised there hasn't been more talk about it on this board.

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