Retirement Roulette

Don't Gamble With My Pension

DB & DC: Benefits and Disadvantages





Feature Defined
Guaranteed, predictable benefits Yes No
Provides higher payout at retirement Yes No
Less risk Yes No
Better earnings/lower fees Yes No
Employer bears investment risk Yes No
Professional investment managers Yes Only if you hire someone
Early retirement features (including incentives) Yes No
Benefit improvements Yes No
COLAs Yes No
Portability If purchase service credit Yes
Attract people to public service Yes No
Low administrative costs Yes No
Comprehensive coverage, including disability, death, early retirement and past service benefits Yes No
Assets collectively invested Yes No



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