The U.S. has shifted to a primarily defined contribution (DC) environment for pensions. Many defined benefit (DB) plans are frozen and being phased out. I'd like to focus on actions that can improve the future, assuming a DC world, and provide suggestions about how actuaries can assist.
If we think about what would make a good system, then we can work together to move closer to it. Where we will arrive is the result of the actions and interactions of individuals, advisers, financial services organizations, employee benefit plan sponsors, and policymakers.
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