Summary

• About 25% of Americans have access to a pension plan, and that number continues to decline.
• When you're younger, it's really about maximizing growth and, maximizing savings because you have a lot of time to make up for any problems.
• All three of those, so target date fund, master trust, and superannuation, they're all using life cycle modeling to help develop the best outcome in a defined contribution market.

Transcript

Oscar Pulido: Over the past few decades, the retirement system has undergone a quiet but profound shift. What was once built around pensions and predictable income has increasingly moved toward individual savings and market-based outcomes. At the

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