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Even though individuals are able to save significant amounts on a tax-favored basis through 401(k) plans, IRAs, Roth IRAs, and the like, research shows that the savings rate of Americans in many of these individual arrangements is not sufficient. (In general, 401(k) plans with employer matching and nonelective contributions are more successful than 401(k) plans without employer contributions and IRAs.) Indeed, because savings under these arrangements is voluntary, many workers - particularly those at lower income levels - choose (or pensioners are able) to save only pensioners minimal amounts, and a surprising number of workers put nothing aside in these pensioners voluntary arrangements. And over the last several years, many workers and retirees have lost money on their equity investments. The inescapable conclusion is that individual workers can't or won't save enough on their own.
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