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You've covered both bases here.

The issue is that the way the rules have been changed, risky stocks have been added to a product that is meant to be stable.

A 401k, any retirement focused product, is not serving its purpose when it tags on risk.

Having people in the later part of their lives find they are broke, becuse despite them doing everything right, a loophole was created to extract their savings.

This is simply not right.

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