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Many Americans Just Not Capable of Managing Their 401(k)s to a Successful Retirement
The Washington Post; subscription may be required Link to more items from this source
[Opinion]
Apr. 4, 2012
"Consider the hurdles between every American with a 401(k) and a decent retirement: ... enroll in a plan at your company.... save enough. (Imagine what you think is enough. Then save more.) ... manage your investments intelligently through stock market highs and lows, tending to your portfolio every year ... when you retire, ration your money at just the right rate: not so little that you live uncomfortably but not so much that you run out. The result has been a system that works well for people who know how to use it. For many others, it's better than nothing, but it still may not be enough."

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