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Definitely not. While the current situation doesn’t work, neither did pensions. You had to work at one job your whole life, and then were subject to the business decisions of all the sociopathic CEOs throughout your career, as well as whether the corp even survived. I don’t think small companies even had an option. There were some people where this all came together but way too few.
Current IRA and 401k plans have one HUGE benefit: the money is yours. It doesn’t matter whether you change jobs, work for big or small, or the corp goes out of business, the money is yours.
I’m pretty sure more people have some retirement savings now than they did in the days of pensions. Let’s figure out how to turn that into most people having enough savings
What we need is better mandatory contributions to 401Ks. Right now a companies are saving a lot of money compared to pensions by having such low match minimums. Companies also have to auto enroll people, but only at the minimum match level. Lots of pensions required far more commitment that was mandatory.
The money is not yours with an IRA or 401K. It is Goldman's. They tell you what fund you can invest in and they make it near impossible to roll it into another account and they charge fees for maintenance and for gains.
Sure you on paper own it, but it is really stretching the limits of that word.