this post was submitted on 13 Sep 2024
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No Stupid Questions

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It seems to me that the employer will fund it either way. Maybe I'm misremembering stories of pensions being mismanaged and lost. I think the most important thing is that the employer actually does something to fund a retirement, in my way of thinking the 401k approach puts me in control of the money so I don't rely on someone else to not fail.

Whether it's promised bonuses, stocks, or retirement funds, my motto is always "show me the money", and I'll believe it when it's in my hands.

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[–] [email protected] 19 points 2 months ago (5 children)

At one point I got offered a choice to stay with the company pension or convert it to a special 401k that had a higher contribution percentage. I said nope to the change, as I figured the only reason they're looking to get the tenured people over to what the new people can only get is because it's better for the company.

[–] [email protected] 13 points 2 months ago (3 children)

Better for the company doesn't necessarily mean it's worse for you.

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