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Treasury Senior Advisor Mark Iwry Explains Early History of the 401(k) and Where We Might Be Heading
Fiduciary News; registration may be required 
Feb. 19, 2014
"The investment industry emerged in recent years as the dominant influence on and driver of 401(k)s. It was not always this way. In fact, self-directed investment -- putting the employee in charge of determining how to invest, choosing among a considerable number of investment funds or options -- is not an inherent attribute of the 401(k). The core feature of the 401(k) is the employee's ability to choose how much to contribute, not necessarily how to invest."
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