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Old 02-08-2014, 02:26 PM
29,775 posts, read 34,863,854 times
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Lots of food for thought and it has implications for much about when we retire etc. Many would consider it a very good read. Not all but many.

The shape of 401k's to come - - MSN Money
What will your 401k look like in five years? Not the account balance -- that will be determined mainly by the size of your contributions and market performance -- but the plan itself. There's a good chance your employer will make some important changes over the next few years, as the industry ushers in changes aimed at getting you to save more - and do more planning for retirement

this quote gets right to the core of a few topics:
It would be nice to think employers are motivated by altruistic concern about the retirement security of their workers. No doubt, some are - but there's also a human resources issue here straight out of Adam Smith. Companies are worried that older workers will overstay their welcome. Transamerica even came up with a name for it: Aging Worker Syndrome.
But for employers it raises the prospect of workers staying on the job past the point where they are productive, not to mention higher health care costs. "We don't want people to have to work longer if they don't want to," says Grace Basile, assistant director of market research at Transamerica.
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