Less Retirement Risk Faced by Employees with Pensions

A Direct Benefits pension plan is now the ideal policy for middle income level workers because it gets rid of stress or fear of lack of money after retirement. This will favor baby boomers and Generation X workers in particular. Early baby boomers and a household member who is eligible for a 401(k) or other type of defined contribution retirement plan in addition to a DB pension plan will be the highest benefactors.

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Employees with Pensions Face Far Less Retirement Risk