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Richard W. Johnson, Director, Program on Retirement Policy, Urban Institute
Sept. 25, 2013
"A generation ago most people working at large firms could leave their retirement planning on auto pilot, because their employers guaranteed retirees lifetime income streams based typically on how much they earned near the end of their careers and how long they worked. Today, those traditional defined benefit pension plans have largely been supplanted by 401(k)-type plans ... The evidence suggests that for most Americans 401(k) plans have fallen short so far[.]"
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