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Speed of light and predetermine the returns for a retirement fund and defoined pension if theyre not there. the market is paying low yeemeds on bonds and the stock market may be going through a bad match. you have to base these things on reality and better way to make people go to 401s . limit the option thape have. they will not get great returns but lose their money either. >> better returns than what social security is doing. >> this way, too, sensible rules of the game and if you want to ret...