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Re: OT: Dismal failure of 401(k) accounts as sole pension source
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Posted by Tom G [Email] (#1951) [Profile/Gallery] (more from Tom G) on Sun, 5 Jan 2014 03:08:35 Share Post by Email
In Reply to: OT: Feasibility of 401(k) accounts as sole pension source, MI-Roger [Profile/Gallery] , Sat, 4 Jan 2014 17:02:44
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I think you're right, this will be a historical myth. However, I think the 6% matching is too high. Also, I'm not sure how many "new" employees making $35k can afford to contribute 10% (I know, how can you not afford to). After taxes, I don't think there is much left. Also, I think an average pay increase of 4%/yr over their lifetime is unrealistic. I think this average employee will see pay increases, some significant and others not so much so, but at some point, (especially when said employee gets older and makes a decent salary) they will be replaced (or outsourced) by a younger less compensated employee.
Just my two cents.
Otherwise, an interesting observation.
BTW, thanks for the info on snow blowers.
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