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The only decent thing they had to say was that 401k plans aren't working out the way people had expected. And that's pretty easy to diagnose. 401k plans let you take the money out before retirement. Old fashioned pension plans generally didn't let you do that. Eliminate the ability to withdraw before retirement, and they'd work out a lot better for the rank and file.

don't they also tend to have a limited menu of
funds and such --chosen by some HR clerk?
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