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Message: <blockquote data-quote="vantexan" data-source="post: 3515119" data-attributes="member: 24302"><p>The harsh reality is that most companies have switched to a cash balance plan that makes it easier to fund their obligations to past employees with a traditional plan.  And every year that pool of traditional plan retirees shrinks due to natural causes.  I know you want to preach doom and gloom but frankly I'm not worried about it.  Employees with a cash balance plan, the portable pension plan at FedEx, should fund their 401k as much as possible for two reasons.  One is the portable plan won't pay nearly what the traditional did.  And two companies aren't under any obligation to keep it.  It's a perk meant to attract employees, to be competitive with other companies.  If times get seriously hard many companies will look to stay solvent by eliminating these costs.  So fund your 401k as much as possible.</p></blockquote><p></p>