[CPT Clay]

I don't post very often, would like your comments and a discussion here on FR.

[Cogadh na Sith]

Why such dourness? Bernstein ticks off plenty of reasons: meager savings rates, dreadful portfolio decisions, outrageously expensive plans and potentially lower stock market returns in the future.

Well, if the stockmarket is lower when I retire 30-some-odd years from now than it is now, I think I'll have bigger problems than my 401k to worry about. Like space aliens and all the giant insects roaming the earth....

Right now because I'm young, I'm invested very aggressively, but I'll start changing allotments as I get older to cut down risk...

[Dales]

Frankly, I think the government should stay out of 401k plan oversight. The employees of a company should demand that the plan be diversified and have the right offerings. If it isn't up to snuff, then the employees should decide that the compensation package they are getting is insufficient for them to want to stay at their job, and they should find other employment.

Guess I still have a bit of libertarian in me economically.