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This is what the politicians want to create and mandate as the solution for people not saving.   It will simply be another giant pot of money like the SS trust fund for them to raid and like SS its our money.   These plans are all similar as the money is controlled by the government and then instead of being your money at retirement, the bureaucrats will give you a monthly allowance amount determined by them.  In most plans if you die the money goes to "can you guess who" yes that is right to the government.

http://www.marketwatch.com/sto...ss-2015-01-17?page=2

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