Comment: Some thoughts

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Some thoughts

I am not American so hope this applies. Personally I don't have a pension. The reasons

1) You may not make it to a pensionable age. In which case its just money for someone else.
2) The money is locked away, so you can't buy property or start a business.
3) Money may not be worth then what it is now when you come to take it out. ( ratio of workers to dependants in the economy will send wages sky-rocketing, also resources are in higher demand from population growth)
4) Money is not mobile if you wish to live in another country.

However there may be a strong case for signing up to a pension if you get a decent subsidy from your employer or govt that offsets the above.

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