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Why one economist says the 401(k) is still not ‘a true ...

The 401(k) has become ubiquitous with an estimated 59 million U.S. participants in the plans, which allow employers to make contributions on behalf of employees. However, Richardson argues that the 401(k) needs to be reformed if it’s going to be more than just an “accumulation vehicle” and turned into a true “retirement plan.”

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