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Improving 401(k) Investment Performance (PDF)
Center for Retirement Research [CRR] at Boston College 
Dec. 21, 2004
8 pages. Excerpt: Public policies toward private pensions reflect a fundamental tension between free choice and paternalism. When people act in their own best interest without harming others, government intervention is unwarranted. But a key motivation for public policies to subsidize retirement saving in the first place is the belief that, without such subsidies, people would fail to act in their own best interest in making saving and investment choices.
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