Although I wasn't as experienced with personal finance as I am now, I still saw the plan as a raw deal for the employees.Sometimes even the best investment option in a retirement plan isn't very good. But if you're still living with whatever the company decided you should be invested in, or if you followed your company's automatic guidance based on your risk profile, as I did when working in the financial industry, chances are you'll either be retiring with less money in your nest egg or you'll be waiting longer to retire.
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