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No, but you'd most likely be foolish to not, simply because it is a fantastic deal – although not almost as fantastic a deal as a conventional pension, in which your employer kicks in all of the dough, bears all of the investment danger and handles the administration of one's account. Offered that couple of employers provide conventional pensions any longer – they are a lot much more pricey than defined contribution plans – a 401(k) is generally the very best game in town.

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