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Financial Markets Will Not Generate Adequate Retirement Income for Average Household (PDF)
Economic Policy Institute [EPI] 
[Opinion] Sept. 4, 2003
Originally published August 2002. Excerpt: Because the current system will not generate enough retirement savings for the average household, policies that expose households to more risk make little sense. But new policies are needed and could include mandatory coverage, direct or matching contributions by the government to retirement accounts, reduced risk exposure for retirement savings, and promotion of traditional defined-benefit plans.
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