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bblack

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bblack

Re: kayakbob223 post# 193704

Sunday, 01/10/2010 4:47:51 PM

Sunday, January 10, 2010 4:47:51 PM

Post# of 361557
just for perspective, recall that IRA's and 401ks are defined contribution plans. Very few companies offer defined benefit plans anymore, so the risk of meeting retirement goals has shifted entirely to the employees. When the market declined in 2008 those retirement savings got depleted rapidly. So I would not be surprised to see attempts to move back to some program where the participant is provided some guarantees.
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