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You are here: Home / Archives for defined contribution plans

497: How to Fix the Retirement Savings Crisis

October 16, 2024 by Camden Stein · Updated November 26, 2024

Why 401k and other defined contribution schemes are flawed, leading to a generation of workers unprepared for retirement. What are the solutions to fix the mess. Topics covered include: Why 401k and other defined contributions haven't worked, despite their popularity Why defined benefit pension plans declined Why 401k plans are treated like emergency funds How to combine the best of 401k and defined benefit pension plans Show Notes The Shift that Redefined … [Read more...]

Filed Under: Podcast Tagged With: 401k, defined benefit plans, defined contribution plans, pensions, retirement, retirement investing, retirement planning, retirement savings

441: What If Social Security Had Been Privatized?

July 26, 2023 by David Stein · Updated August 9, 2023

In 2005, Congress debated giving U.S. workers private savings accounts to invest their Social Security contributions in the stock and bond markets. Sixteen years later, we review how that would have worked out for workers. Topics covered include: How the public and private sectors are both critical for a functioning social security systems Which countries pay the highest social security benefits How have other privatized social security plans worked out around the world How … [Read more...]

Filed Under: Podcast Tagged With: 401k, defined benefit plans, defined contribution plans, pensions, Social Security

269: How the Public Sector Pension Crisis Will Impact You

September 18, 2019 by David Stein · Updated May 20, 2021

Why most state and municipal pension plans are underfunded and why that could lead to higher taxes and reduced government services. Why participants in state government retirement systems have greater protection against benefit cuts than participants in municipal retirement systems. In this episode you’ll learn: How defined benefit plans work.Why there is more subjectivity regarding valuing a pension plan's liabilities compared with its assets.What does it mean for a … [Read more...]

Filed Under: Podcast Tagged With: bankruptcy, defined benefit plans, defined contribution plans, municipal bonds, pensions, public pension plans

Are Pension Plans A Dying Retirement Model?

November 10, 2014 by David Stein · Updated June 23, 2020

Many companies are shuttering their pensions and replacing them with defined contribution plans.  Here's why. Topics covered in this audio lesson include: What is the difference between defined benefit and defined contribution plans. Why companies have moved away from offering defined benefit plans such as pensions. How pension plans are managed. Why most pension plans are underfunded. The lesson length is 6 minutes. … [Read more...]

Filed Under: Audio, Audio and Video Lessons Tagged With: defined benefit plans, defined contribution plans, employee benefits, pensions

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