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Americans Now Have Much More Money in IRAs Than 401(k)s, Which Leaves Workers More Vulnerable
Alicia H. Munnell, Center for Retirement Research [CRR] at Boston College 
[Opinion] Feb. 11, 2026 "The most extraordinary development in the U.S. private sector retirement system is not the shift away from old-fashioned defined benefit plans, which began around 1980 and is virtually complete today, but rather the movement away from 401(k) plans, which replaced the defined benefit plans, to Individual Retirement Accounts (IRAs). Total IRA assets now exceed the money in 401(k)s by $7 trillion." MORE >> |
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