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>>I think that most people will make reasonable decisions if they are presented with the right facts to base the decision upon.<<

Most people just want to be told what to do. There are some companys out there now that work with retirement plan members to help them better manage their money. Many companies also hold seminars for employees, but at my company, only a fraction show up. I am pretty confident but I still go in case I learn something new. Too many believe just making the contributions will be enough. Even so, it is still up to the individual to take charge of their future today rather then wait until it arrives.

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