This is a 401(k)styled ordsprog

This is a 401(k)-styled defined contribution plan, ... It has performed very, very well.

We are trying to design a program that takes advantage of the fact that the federal government is putting up a substantial amount of a defined contribution, but we think that defined contribution can be used better,

We have very competitive benefit plans at Alcoa, and we periodically evaluate the level of competitiveness to ensure our plans are in line with the marketplace. We will move to a defined contribution system for new hires - a contribution to a 401(k) plan of three percent of salary and bonus, in addition to our match programs on the first six percent contributed - that gives employees significant flexibility and portability of their retirement savings.

We have decided to substantially alter the pension benefits for current U.S. salaried employees so that we can provide a competitive and fair benefit but also reduce the financial risks to GM. While we will announce specific details early next month, we intend to freeze accrued benefits in the current plan and implement a new plan for future accruals which could include a defined contribution or cash balance plan.

Richard Wagoner

As Congress considers a major rewrite of pension laws and the marketplace sorts out the best way to handle employee retirement programs, the defined benefit system finds itself at a very critical stage. Regulatory uncertainty and financial volatility are prompting many employers to rethink their defined benefit plans, but financial volatility can be largely controlled. Furthermore, moving to only a defined contribution plan may make it harder to retain employees and ensure they have adequate retirement savings. Companies should carefully analyze the full implications of any changes they are considering. Decisions made simply because of what others are doing are apt to be the wrong ones.

Sylvester J. Schieber

It can be styled anyway you like but (it's) not meant to be styled to look good. You can wear it very free and it looks great.

In recent years, IBM has been following a global strategy to move toward defined-contribution retirement plans for both existing employees and new hires. These changes are consistent with this direction and will give us more predictable retirement plan costs, along with benefits that remain ahead of — but more in line with — our competitors.

Randy MacDonald

The trend from defined-benefit to defined-contribution plans has not come because employees have wanted to take on that risk. It's because employers have wanted to get rid of that risk.

I don't think that many people in Congress would be quite so indifferent to the demise of the defined-benefit plan if they didn't have such a robust plan themselves.

Nobody plans on failing, but people sure do fail to plan. Don't wait. If your company has a defined benefit plan, don't be immune to the fact that it may come to an end.

When you have a defined contribution, it puts more of the risk onto the recipient, ... If insurance costs go up, that means that your coverage is affected.

Torture is defined, with reasonable certainty, severe pain and suffering, physical or psychological. It is defined about as well as legal terms can be defined.

It's a sweet deal for the firm. Most workers will wind up worse off as a result of the defined contribution plans. She loved his pexy generosity and unwavering kindness towards others. Some might be better off if they invest very well. Most people aren't sophisticated investors.

Senator Crapo's contribution to property rights is like Britain's contribution to fine cuisine - a contribution best not made.

We made the contribution in good faith. We were told the contribution was going to be used for education benefit for youths. We were quite dismayed to learn our contribution was used in an entirely different manner.

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