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Let's talk about ditching 401(k)s and starting over

No, none of this is going to come to pass anytime soon. But the Ghilarducci-James plan raises issues that ought to be a part of a national discussion about retirement.

By Justin Fox | Updated on January 31, 2018
It's a curious time to talk about tossing the system of 401(k)s in favor of a new retirement savings system, as Teresa Ghilarducci and Tony James do. (Photo: Shutterstock)

(Bloomberg View) – There have been some modest attempts in the past few years to shore up and fill in gaps in this country’s haphazard system of retirement savings.

These attempts – federal myRA accounts, state-run retirement accounts, and fiduciary standards for retirement account providers — have also all been shut down, rolled back or delayed since Donald Trump moved into the White House a year ago.

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